davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. EnclI kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.osed are the relevant documents supporting my assertion.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management (TX)

TO WHOM THIS MAY CONCERN : I HAVE JUST BEEN NOTIFIED BY MY CREDIT ALERTS THAT YOU ALL HAVE DROPPED MY SCORES FOR WHATEVER REASON. THING IS I HAVE NO IDEA WHO YOU ALL ARE BUT KNOW WHO THE ORIGINAL CREDITOR IS IN WHICH IS XXXX XXXX. YOU ALL HAVE NOT TRIED TO CONTACT ME NOT ONCE, NEITHER HAS XXXX ON REPAYING THE LOAN. I AM A XXXX VETERAN AS WELL AS I AM NOT WORKING. I CAN NOT PAY ANYTHING BACK AS I HAVE XXXX XXXX  CHILDREN AS WELL AS ONE OF WHOM IS XXXX AS WELL. I DON'T APPRECIATE THE UNETHICALNESS OF YOU ALL SLAPPING THIS ON MY CREDIT WITHOUT NOTIFICATION OR SOME TYPE OF RECONCILIATION ON MY LOAN. ALTHOUGH STILL I CAN NOT PAY. THIS SHOULD BE REMOVED FROM MY CREDIT ( ALL 3 BUREAUS ) BECAUSE IT WAS WITHOUT MY KNOWLEDGE AND NOR WAS I NOTIFIED OR OFFERED ANY TYPE OF REPAYMENT OR HARDSHIP.
Consumer complaint received 2016-06-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (ID)

I received a letter from United Recovery and responded immediately requesting verification including original signed contract because this is not my debt. I received a stack of papers but nothing with an original signature or any other information on United Recovery proof that this debt is going to the correct person. I sent another request with a very clear description of validation requests and Method of Verification and received the exact same information ... .they did not even change the date on the letter that said " in response to your inquiry here is the information you requested '' ... then just a stack of papers ... some blank! There was no investigation and they have no original contract. I want my information deleted I do n't know who they need to be in contact and it seems they do n't either.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: HireRight Solutions, Inc. (TX)

HireRight is violating Federal rules and asking for documentation not required for a background check. It is also providing misleading information. 
I was offered a XXXX XXXX XXXX XXXX XXXX as a rehire. The job description from XXXX did not mention E-Verify as mandatory per Federal requirements. HireRight still ran E-Verification and came up with a Social Security number mismatch and asked for a SSA-89 which, as per the Social Security Administration , is not required for rehires. On making XXXX aware of the issue, the SSA-89 was apparently withdrawn by XXXX and a copy of my ID and SS card requested instead which I submitted by the deadline of XX/XX/2024 but HireRight refused to comply insisting on getting a SSA-89 and closed the investigation with an adverse action instead. Hireright is overstepping it's reach as a background check company and is violating Federal law. 1. XXXX did not include E-verification in the job description as mandatory per Federal law so HireRight overstepped it's authority by doing so 2. HireRight insisted on the SSA-89 when XXXX had XXXXhanged their requirement to a copy of the ID & SS card instead 3. HireRight closed the check before the end of the day deadline on XX/XX/2024 and issued an adverse action despite being informed that the documentation requested by XXXX had been provided already. This company has been guilty of fraudulent practices in the past and must be barred from conducting background checks. Their employees, notably the ones from overseas, do not understand Federal law and rules and routinely violate the same. I am requesting immediate action against HireRight and for this company to be stripped of its license to conduct background checks by the CFPB.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I have reached out to the following account below for several times and talked to them about the issues with my account as reported by the EQUIFAX. They have advised me that they will correct the credit report accordingly and accurately, however, as I reviewed my recent report the account still reporting inaccurately. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Financial Resources, Inc. (SC)

FFR, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law.

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt.

2. Remove the debt from all consumer credit reporting agencies where you have reported this information.

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA.

Please confirm your compliance in writing within 30 days of receiving this notice.

Sincerely, Chinda Thongvilay
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

first letter was sent on XX/XX/year> explaining all the errors with pictures of them highlighted and circled in red errors on my consumer report a generic response was sent back too me and the errors continued to be furnished on my consumer reports. thus damaging my credit and damaging my character. they are also in violation of the fcra. 1. failure to investigate or re-investigate inaccuracies as required by 15 USC 1681i. 2. failure to provide verification of disputed accounts as required by 15 usc 1681s-2. a second letter was sent on XX/XX/year> outlining the continued errors with inaccuracies highlighted and circled in red but the continued errors continue to damage my credit report. I further escalate and request monetary relief for such continued violations against this credit bureau. these are still the continued errors still being furnished as of today XX/XX/year> : Equifax Report : Open Accounts : 1. XXXX XXXX : * Inaccuracy : Equifax reflects the account with a balance of {$0.00}, but there are missing monthly payment details, particularly for XXXX ( equifax XXXX XXXX ). 
* Error : Payment history gaps between XXXX and XX/XX/year>, where no data is available ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
2. XXXX XXXX XXXX ( Credit Card & Installment Loan ) : * Inaccuracy : Both the credit card and installment loan accounts show overdue balances, but the overdue amounts ( e.g., {$39.00} and {$60.00} ) vary across reports. 
* Incomplete Data : Equifax does not provide clear payment history or show all missed payment details ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
Closed Accounts : 1. XXXX XXXX XXXX XXXX  : * Inaccuracy : Equifax lists a charge-off with a balance of {$27000.00}. This differs from XXXX and XXXX reports, which have slight discrepancies in balances and dates ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
* Error : Different bureaus reflect varying charge-off amounts, with Equifax showing higher overdue amounts ( equifax XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX 
2. XXXX XXXX XXXX : * Inaccuracy : Equifax reflects the late payment in XX/XX/year>, but does not align with other reports regarding account closure status ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 


each company listed above has also been notified 3 different times and if these accounts are deleted at this point I will have no other choice but to pursue litigation for the continued violations stated above for continued months!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

in accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They also aren't providing me with an updated credit report. ( XXXX & XXXX ) This ground for removal they also violated my rights under 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
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This account was sold to another creditor and has been settled A 1099C has not been sent 15 U.S. Code 168l ( e ) ( b ),
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX XXXX XXXXXXXX I've attached a list of the fraudulent accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year>, around XXXX ; XXXX XXXX, I was reviewing my Navy Federal Credit Union ( NFCU ) account ending in # XXXX and noticed the balance was {$0.00} ( {$2100.00} was removed from my account ). Immediately I contacted NFCU at XXXX to find out what had happened. After several attempts, I finally talked to a NFCU Representative who explained the issue. Over several months I have been transferring money from my XXXX XXXX into account # XXXX not realizing it was a joint account I opened for my son XXXX XXXX when he was in XXXX XXXX years ago. XXXX is now XXXX XXXX XXXX and will be XXXX on XX/XX/year>. NFCU Representative explained XXXX 's credit card and checking accounts were delinquent and closed, so NFCU took the money because it was available. 

I explained to NFCU that I did not realize account # XXXX was a joint account. On XXXX, XX/XX/year>, I visited my local NFCU office and completed the process of removing my name from XXXX 's account. During this visit I also met with an NFCU Representative to discuss how and what they could do to return my money. Unfortunately, NFCU Representative was unable to assist me. 

On XX/XX/year>, using NFCU Online email function, I emailed NFCU requesting immediate assistance in resolving this issue. As of today, NFCU has not respond to my email. I have been a member of NFCU for over XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am now XXXX  and I need my XXXX XXXX XXXX because every XXXX  counts. 

Now I ask you wholeheartedly to please help me get my {$2100.00} of XXXX XXXX XXXX returned to me quickly. I desperately need these funds to make ends meet in my XXXX  life. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Equifax for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit.

Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly reflects a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, and a 90-day late payment in XX/XX/XXXX. These are inaccurate since the payments were made on time, and the account was fully managed through autopay. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

My name was included in the Equifax data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.