davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Porsche Financial Services, Inc. (TX)

My Porsche XXXX was declared a lemon under Texas lemon law in XXXX. Throughout the buyback process, I received contradictory answers from multiple people at Porsche Financial Services about whether I needed to continue lease payments during the buyback process, which took several months. My credit was not hit for XXXX, confirming that there would be no credit impact. Then suddenly, I received a 60-day late notice in XXXX with no warning. I called Porsche Financial Services, and a different supervisor told me they would do a " date back '' once the buyback was complete to remove the late marks on my credit. When I called after the buyback was completed in XXXX, they acted like I was crazy and refused to do it. Additionally, they never recorded my on-time payment in XXXX. 

I filed a dispute with XXXX, which Porsche Financial Services refused to fix. 

Porsche Financial Services then refused to provide me records of my multiple calls to them from XXXX until now, when I am filing this complaint.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IL)

In XX/XX/XXXX, I requested my Full File Disclosure from Checkr. In XX/XX/XXXX, Checkr finally provided my Full File Disclosure. Checkr is reporting inaccurate information in my background check. On XX/XX/XXXX, I submitted a Notice of Dispute with supporting documents to Checkr via certified mail ( USPS Tracking Number XXXX ). Pursuant to the Fair Credit Reporting Act ( FCRA ), the deadline for Checkr to respond to my Notice of Dispute was XX/XX/XXXX. As of XX/XX/XXXX, Checkr has failed to respond to my Notice of Dispute and is in direct violation of the FCRA. In addition to certified mail, I have called Checkr multiple times to request assistance, however, Checkr refuses to answer their telephone. I have emailed Checkr multiple times, however, Checkr refuses to reply to my emails.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have a fraud alert on my credit report which means creditors have to contact me to verify my identity when they perform credit check, which results in a hard inquiry on my credit report. On XX/XX/year>, I was contacted by XXXX XXXX. I was informed they were contacting me to verify my identity because I have a fraud alert on my credit report. I verified my identity as accurate, as I did apply for credit with XXXX XXXX. Upon verifying my identity, I checked my credit report a few day later an noticed I had two hard inquires from XXXX XXXX on XX/XX/year>. I contacted XXXX XXXX and informed them of this. XXXX XXXX informed me Equifax placed an extra hard inquiry on my credit report. I told them that is impossible because Equifax will only place a hard inquiry when asked to do so and in this case they have XXXX XXXX listed for two hard inquires placed on my credit report on XX/XX/year>. They told me to contact Equifax. Upon contact Equifax, I was informed they will not place a hard inquiry unless contacted my a creditor. Besides, both hard inquires are listed for XXXX XXXX. I contacted XXXX XXXX and demanded they remove on of the hard inquires and they have been adamant that only one inquiry is on my credit report. How can the creditor tell me what is on my credit report? I would like to know how can I take litigation against XXXX XXXX for this matter?
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC (TX)

On XX/XX/2023 I talked with Atlantic recovery solutions and offered to settle a debt. They brought up all the other debts I owe, including to XXXX  and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification XXXX, trans union and XXXX has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
1. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3.XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4.XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5.XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
10. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 ( USC 1681. 

Account name : XXXX XXXX, Account name : DPT ED/ XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stat s a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting a handy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 ( USC 1681. 

Account name : XXXX XXXX, Account name : DPT ED/ XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stat s a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting a handy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (AZ)

A payment was submitted on my Apple Card on XX/XX/23 for {$2000.00} from my XXXX XXXX XXXX XXXX account ending in XXXX. I have used this checking account exclusively throughout the life of my account with XXXX successful transactions. I contacted Apple Card support since the available credit did not update as it normally does. I was told this transaction will reflect on XX/XX/23 and that the payment was on hold. When requesting to speak with a manager I was told they can call me back in 10 days and that the decision would not change. On XX/XX/23 the ACH transaction for {$2000.00} was posted on my XXXX XXXX XXXX XXXX account for my Apple Card. As of XX/XX/23, the available credit has not been adjusted to reflect the credit. When calling Apple Card support on XX/XX/23, I was told by a manager that the Apple Card Customer Agreement allows for 10 days to process payments. However, this information is not found in the Apple Card Customer Agreement, which reads " Electronic Payments If you initiate a one-time payment using a Payment Source Account before XXXXXXXX XXXX ET, we will credit the payment as of that calendar day. Otherwise, we will credit your payment as of the next day. '' Thus, the payment should be applied to the account. Furthermore, it reads " Credit Availability After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your Apple XXXX, accessing XXXX XXXX Apple Pay, online at card.apple.com, or by contacting us. '' Apple Card does not state 10 business days to process payments and to adjust credit limit for available spending.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second or third compliant and after this Im going to sue Transunion and XXXX for violating my FCRA. I have two accounts that are closed with XXXX and it continues to come back as verified. One account ends in XXXX and had a balance of {$4300.00} and the other account ends in XXXX and had a balance of {$7900.00}. Transunion continues to change the close date. My attachments show proof. The most recent credit report shows XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. How can this continue to happen. Another attachment shows dates from XX/XX/XXXX. This is intentional at this point. 

XXXX needs to be removed from both Transunion and XXXX. I have requested multiple disputes but they all come back verified. 

XXXX the only CRA reporting 90 day lates for both accounts. XXXX deleted both accounts back in XX/XX/XXXX as the same inaccuracies are shown. 

Im not requesting another investigation. In fact, do not do one. This information needs to be deleted IMMEDIATELY for multiple FCRA violations. 

Transunion shows XXXX as XX/XX/XXXX while XXXX shows nothing. XXXX  doesnt show a close date. 

This file needs to be deleted. A response of opening an investigation is not sufficient. Both credit bureaus have had ample time to resolve and didnt. Remove both XXXX accounts or I will have to file FTC complaints and sue in court for violating my rights. 

A letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX shows contradictory information. No close date has been provided. XXXX said they are not reporting 90 day lates in the letter however thats incorrect. 

Also attached is another credit report showing close dates in XXXX. All parties need to immediately delete credit files since my FCRA rights have been violated. Inaccurate information on my credit report sits there for years. I need the CFPB to intervene and ensure this is deleted timely.