davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.

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 2024-08-13
Product: Credit reporting 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)

Dear Sir/Madam, I am writing to officially dispute a reinsertion of an account that has previously been deleted due to I correctly verifying that I have been an victim of identify theft. I became in awareness of the account added to my consumer report that I have not been notified of why this account has been reinserted. I request an immediate investigation into this matter and I demand that the account be removal from my consumer report. In pursuant to 15 USC 1681 ( i ) ( 5 ) ( B ) ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, I never received any notification within the 5 day span nor authorized anyone to included this account within my consumer report as pursuant 15 USC 1681i ( B ) ( ii ), which is in direct violation of my consumer rights. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. In addition, the provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Also, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. Account : XXXX
Consumer complaint received 2023-09-22
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. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this name XXXX XXXX XXXX acc XXXX name XXXX  XXXX acc XXXX name XXXX acc XXXX name XXXX  XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX name XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX XXXX XXXX acc XXXX acc XXXX name XXXX accXXXX name XXXX XXXX acc XXXX name XXXX XXXX XXXX  acc XXXX name XXXX XXXX acc XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The following accounts I have disputed on multiple occasions. I did not have accounts with the following companies yet they still are on my credit report. I XXXX XXXX XXXX  {$56.00} and XXXX XXXX. XXXX XXXX XXXX {$240.00} XXXX. XXXX XXXX {$860.00} and {$1100.00} XXXX. XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2023-08-31
Product: Credit reporting 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 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. 
Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXXXXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 
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 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MN)

I requested my loan payoff because i was selling my home. I have just come out of chapter XXXX. When i got the loan payoff the title company had an extra XXXX dollars that was sent from US bank to title and not me saying I owed that amount. When I checked to see how they came up with the amount when I only did a forbearance for XXXX months. They started to say, it was interest fees, escrow and other fees, my mortgage was only XXXX dollars at the time of forbearance, I requested a copy of that breakdown as was denied. Us Bank representative said its only for underwriting and they can only tell me but not give it to me in writing. Some of those fees i believe came from my XXXX XXXX  which my judgement is satisfied... The agreement was verbally that US bank would piu the XXXX mortgages at the end of the loan and i would pay it off when the house is paid off or when it is sold. It just so happened that i was selling the house in 9 months. I believe that some transactions occurred that are against regulations. the account number is XXXX. I did the forbearance after my chapter XXXX in XX/XX/2022. I have struggled with US Bank trying to take my home for XXXX years. Not sure why they tacked on all this interest.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Applied for Loan wiht XXXX XXXX  went to purchase vehicle bc loan funds werent received by dealer from XXXX XXXX. XXXX  funds were retracted and sent back to XXXX XXXX XXXX XXXX straight from XXXX XXXX.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  I have had Identity theft that was in my hone by a boarder, this account with XXXX XXXX XXXX does not belong to me ( {$640.00} ) Open balance my name was cleared by the courts of my respective county through appropriate local police and federal investigation finger printing process. 

same thing with account with the followings XXXX XXXX XXXXXXXX case # : XXXX XXXX  Customer # : XXXX XXXX  of an amount of {$350.00}
Consumer complaint received 2023-08-31
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. (MI)

Disputed late payment information reporting on my consumer report several times and no changes were made. In XXXX, XXXX, and XXXX I sent letters concerning the late payments. Nothings changed. Transunion and XXXX and I'm not sure if XXXX is reporting it also, late payments for XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX card ending in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. XXXX ending in XXXX, late payment for XX/XX/XXXX. 
According to USC 1681S 2 RESPONSIBILITIES OF FURNISHER ( A ) ( 1 ) ( f ) Reporting information during XXXXXXXX XXXX post national emergency covered period in which 120 days after declared over, it was over in XX/XX/XXXX. In which an accommodation clause allows to defer, forebear, modify, partially pay or get other assistance/relief.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

REQUEST FOR ACCOUNTING! 
U.C.C. 9 210 and other applicable laws. 




Reference accounts # XXXX Dear Bank of America CFO This communication is with reference to the alleged contractual relationship, I have a right to an authenticated record of accounting. I am not requesting a statement of account, for an authenticated record of the accounting. I am hereby disputing the non-performance of fiduciary duty under Federal Reserve Act section 16, and to require that you provide the requested securitization audit information within the time allotted by law, which is 14 calendar-days.

I do wish to thank you for your time in providing this information, which is readily available to you as the custodian of records, and/or the collective entity. Please note that each day beyond the 14th calendar-day of receipt of this communication I will BE assessing a {$33.00} per day penalty for your failure to comply and/or {$1000.00} per month, whichever is greatest. I have the right to this information as indicated by the Uniform Commercial Code : U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OF ACCOUNT.
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (NC)

I have communicated with the company ( N.A.R. Inc ) via mail to indicate that the collection does not belong to me. The company they are representing I have never had any affiliation with meaning the debt does not belong to me. It has been placed on my and my wife 's credit reports and I want it removed. I have a copy of the letter that I sent with details of my situation as well as dates when I have attempted to call them without any reprise. 

A letter was sent in XX/XX/2023 to have the {$330.00} removed from my credit account but no actions have been taken. I provided documentation showing that the company they represent I have never had any interactions with. I have called them on seven ( 7 ) different occasions between XXXX XXXX XXXX XXXX XXXX. I finally spoke with a representative XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and asked them to send documents showing I had any accounts or interactions with the indicated company ( XXXX XXXX XXXX ) and I have not received any communication. Today is XX/XX/XXXX ( 35 days later ). 

I am asking again for them to remove this information from my credit account and to send me communication unbinding me from any transactions with their company.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AL)

I have been an American Express customer for about 30 years. I generally spend $ XXXX a month, as I use it for everything. I previously had an AMEX platinum card but cancelled it a couple of years ago because I couldn't justify the annual fee. I now have a XXXX XXXX XXXX XXXX XXXX and I have 2 family members with the card as well. 

I pay my bill every month and in full. Last month, I was one day late paying my bill ( {$11.00}, XXXX ) and was penalized with a {$29.00} fee and {$460.00} in " penalty interest '' of 29.99 % ''. 

I called Amex on XX/XX/31 at XXXX XXXX, and was told that because I had made similar request in XXXX ( again only a day late ), that the card was not eligible for additional waivers. AND that I should set up automatic payment to avoid future issues, which I do not care to do. I spoke to a supervisor to ask if he was interested in saving my account and he said he could not because of the XXXX waiver. 

I previously worked for a bank and upon occasion dealt with fee issues related to checking accounts, so I understand that this is a way for Amex to increase fee revenue in a rather easy manner. I also dealt with informing customers as to changes in policy and I would say in this case, not getting written information clearly pointing out that if my payment was even " one minute past midnight '' on the due date I would be charged with both a fee and an interest charge. Statement messages are easy to miss. 

Yes I should have paid my balance by the due date, but I view this as an unfair and deceptive practice and will not be using my card much. I will not cancel it yet because I just paid the {$260.00} annual fee.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY..

This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 561 ) 800-8001 REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, 08/11/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 561 ) 800-8001 REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collection, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address. Please remove these accounts ASAP.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.