davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

Dear CFPB, I am writing to formally dispute the debt reported by National Credit Adjust on my credit report, as detailed in the attached documentation. I do not acknowledge this debt as valid and request a complete and thorough investigation into the matter. 

Discrepancies Noted : The account status is reported inconsistently across XXXX and XXXX, with XXXX listing it as " Open '' and XXXX as " Closed. '' There are incorrect dates of last payment, with XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 
The payment status is also inconsistent, with XXXX reporting " Late 120 Days '' and XXXX as " Collection/Chargeoff. '' These discrepancies raise serious concerns about the accuracy and validity of this account. 

Request for Debt Validation : I formally request that National Credit Adjust provide the following documentation within 30 days : Debt Validation - A full validation of the debt, including the original purchase agreement between them and the original creditor. 
Proof of Licensing and Bonding - Documentation proving that National Credit Adjust is licensed and bonded to collect debt in my state. 
Proof of Ownership - Clear evidence that National Credit Adjust is the legal owner of this debt. 
Revocation of Communication Rights : Effective immediately, I revoke any and all rights for National Credit Adjust to contact me via phone, text, email, or any form of electronic communication. All future communication must be done via postal mail to the address listed above. 

I appreciate your prompt attention to this matter and expect a response within the statutory time frame. 

Sincerely,
Consumer complaint received 2024-08-25
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

============== 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 name : XXXX  # XXXX XXXX name : # has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am receiving credit denials from XXXXXXXX XXXX and is dated XXXX. The name on the letter is directed to XXXX XXXX and is unlawfully using my home address as their address. I do not know this person and since my personal records have been stolen in the past year several times, I would like this name unassociated with my address. I have reported to all credit agencies that information could have possible been stolen. I have put freezes on my credit and have arranged to be contact if anyone tries to use my personal information.
Consumer complaint received 2024-10-08
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting XXXX charged off accounts from XXXX XXXX XXXX  card services. 

Account # XXXX -opened XXXX with balance of {$1500.00} Account # XXXX -opened XXXX with balance of {$1400.00} Both accounts were charged off back in XXXX of XXXX  and was done as a business tax write off with the IRS. Equifax keep updating the account as valid and will not provide a copy of the validation of the account when you request a copy of it.
Consumer complaint received 2024-10-08
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. (AZ)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XX/XX/XXXX i sent in a dispute asking Transunion and XXXX to delete collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt validation was done by XXXX and the account could not be verified so therefore XXXX deleted the Collection account. Since then i have sent multiple disputes to Transunion and XXXX for this collection to be deleted.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 XXXXXXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/2023, I purchased a XXXX airline ticket for XXXX. 
When I submitted the transaction, I noticed XXXX charged me XXXX. 
I was unaware of the additional charge of XXXX. XXXX XXXX did not send any written correspondence via email or mail regarding the additional purchase of XXXX. 
Therefore I immediately canceled the transaction. Once I canceled the transaction, I received a refund ( same day ) for XXXX. 

Again, I did not receive a notification from XXXX XXXX regarding a cancelation for the unknown charge of {$69.00}. I only received a pop-up message, " Reservation Canceled Successfully. '' At this point, I am unaware of why XXXX charged me an extra XXXX ( Unauthorize Charge ). I could not figure out why the additional charge. I thought everything was ok since I received a refund the same day. 

A few days later, I checked my Chime Account and noticed XXXX refunded the XXXX for the ticket but not the unknown Unauthorize Charge. Because I canceled the transaction ( same day ), I didn't receive any notification from XXXX regarding the XXXX. I went on the XXXX website and researched what they charge me for a Unauthorize Charge XXXX Membership. 

I will reiterate I didn't receive any written correspondence regarding the XXXX Membership. I tried to cancel the charge, and per their website, I had XXXX hours to cancel. After XXXX hours, I can cancel without a refund, but I won't l receive the membership benefits. 

Since I received a refund for the entire amount, this is misleading to consumers. I will file a complaint with the Department of Transportation on XXXX XXXX. The XXXX is an Unauthorized charge. It is misleading to a consumer to see a credit for the entire purchase ( same day ), and a merchant does not need to provide written correspondence on how the Consumer will receive a refund. I emailed XXXX numerous of times with no resolutions. 

I notified Chime and filed a Dispute. They provided me with provisional credit for a Canceled Membership on XXXX XXXX. After the investigation, they reverse the provisional credit. They allowed me to submit another dispute as an Unauthorized Charge. 

I received a Final Determination email from Chime stating they found no errors, and my dispute is closed. 

I have had no issues with Chime until now. I do not have confidence Unauthorized charges are protected under REG E. As a consumer, I understand the REG E Policy and expect Chime to understand and enforce the Policy on Unauthorize Charge.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Citi Bank is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from Citi in the future ; I want this removed because it is FALSE.
Consumer complaint received 2024-11-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA (NY)

I am writing to formally dispute the repossession and charge-off entry related to the auto lease with Hyundai Finance ( Account Number : XXXX ), currently reported on my credit report. The entry shows a balance of {$8100.00}, and indicates a repossession was conducted in [ XXXX XXXX XXXX ]. 

According to UCC Article 9, specifically Section 9-613, a secured party is required to provide the debtor with a Notice of Sale prior to the sale of the repossessed vehicle. To date, I have not received such a notice. As a result, I believe that the repossession entry on my credit report is inaccurate and does not comply with the legal requirements set forth under UCC Article 9, which mandates that the debtor be notified before the sale of repossessed property.

In light of this, I am requesting the following from Hyundai Finance or the credit reporting agency : 1.Proof of the Notice of Sale that was sent to me regarding the sale of the repossessed vehicle.

2. The exact date and method by which the notice was sent to me.

3. A copy of the sale or disposition of the vehicle, if the property was indeed sold.

Since the repossession and charge-off appear to be in violation of my legal rights under the Uniform Commercial Code ( UCC ) Article 9, and since I never received the required Notice of Sale, I respectfully request that this entry be investigated and either corrected or removed from my credit report.

Please provide the requested documentation or correct the account information in accordance with UCC Section 9-613. If I do not receive this documentation within the required 30-day period, I will consider this entry inaccurate and will take further action to have it removed.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the accuracy of this information within 30 days. Please confirm the outcome of your investigation to me in writing.

I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute the negative items listed on my credit report, which I have found to be inaccurate and invalid. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and have the right to ensure that all information reported on my credit file is complete, accurate, and verifiable.
Consumer complaint received 2024-10-08
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. (NY)

I am writing to issue a final demand regarding the continued presence of unauthorized and invalid negative items on my credit report. Despite multiple disputes and clear evidence of discrepancies, these negative accounts remain improperly reported.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX, Transunion, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-10-08
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. (GA)

There has been an identity theft on my EQUIFAX credit report as someone is trying to apply for credit card with the name XXXXXXXX XXXX on XX/XX/year> using my name and SSN without my consent or knowledge
Consumer complaint received 2024-08-13
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. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-08
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. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX