davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Subject : Urgent Dispute of Reporting Account Not Verifiable as Debt NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to express my deep concern and formally dispute the reporting of an account that is currently impacting my life in significant and detrimental ways. This account, which is now considered income according to IRS guidelines, should not be reported as a debt. Which means this account should not appear on my credit report at all, as it is violating my consumer rights. 

Account name : XXXX XXXX XXXX Account number : # XXXX The continued Illegal and unfair reporting of this account has made my financial situation extremely difficult. I can not get approved for loans, credit, and even basic necessities, as this account casts a shadow over my creditworthiness. Under 15 U.S.C. 1666b, creditors can not report charges that can not be verified as legitimate debts. Additionally, 15 U.S.C. 1681 ( i ) ( a ) ( 5 ) requires that any unverifiable or inaccurate information be deleted from consumer credit reports. 
This account has profoundly affected my life. Due to the negative impact on my credit score, I have faced serious challenges, including periods of homelessness. Its hard to put into words how deeply this has affected menot just financially, but emotionally as well. The stress and degradation of my self-worth from dealing with this situation have been overwhelming. I never imagined that an unresolved account could lead to such dire consequences.
Consumer complaint received 2024-10-22
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. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-22
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. (TN)

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 XXXXXXXX I looked at my Equifax 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 generally, 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 2024-10-10
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 Have 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, also states a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-09-05
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. (MO)

I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. 
( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore.

1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-10
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-10
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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/XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion and XXXX drops credit score every other month by XXXX points for no reason. A CREDITOR IS REMOVED AND THEY STILL BOTH DROP MY CREDIT SCORE BY XXXX POINTS EVERY OTHER MONTH WITH NO INQUIRIES.
Consumer complaint received 2024-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I have XXXX second lien loans for my solar project. One is a little over {$40000.00} with XXXX and the other is about {$20000.00} with Dividend ( Fifth Third Bank ). This complaint is for Dividend, which closed on XX/XX/year>. I will submit the same exact complaint for XXXX next. During the process, we spoke at length about how much I could afford for a payment. I wanted to make sure the monthly payment worked for my budget and allowed me to save money by going with solar for my home. Unfortunately, neither company explained that the payment I agreed to doesn't even pay the minimum monthly interest on the loan. Dividend calls the negative amortization payment an " Incentive Election Payment '' payment option, which is a highly deceptive name since there should be no incentive to increase the principal amount of your loan. They both game me negative amortization loans and I have not paid XXXX XXXX of principal on either loan. 

Honestly, I thought this was illegal so it never occurred to me to make sure I read the details for amortization on the loan, please the word " Incentive Payment '' makes it seem like they are doing me a favor. The truth is that this loan will never pay off until I massively increase my payment to cover the missing interest and an additional principal payment. I can't believe this is happening to me and I don't know what to do. Both companies said in an uncaring matter-of-fact way, " check the agreement ''. I agreed to the terms of the loan including the very high interest rate, but I didn't catch the negative amortization feature of this loan. 

I need this company to stop deceiving the public. They need to make certain that borrowers know making a minimum agreed upon payment means they will not even pay the monthly interest and never pay off the loan. Borrowers for this type of loan will wake up some day once they realize what happened to a massive increase in the principal amount of the loan.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I called Capital One and expressed to them that I was unemployed and was having a hard time paying the bill. The representative who had broken English said I was 22 days past due 22 so then I asked her if she had any programs and the only program that she offered was a delay in payment but that was not going to help my credit report in. If it went over 30 it would still be reported as late. I said well that's not going to help me but that's all she had so I told her that's not going to work. A few days later I did make a payment but she told me I was 22 days past too but yet they reportedly as 30 days late even though they told me I wasn't going to be. I had 8 days but she told me the wrong information yet again they need to stop doing this. This is hurting consumers like me. Why do they tell the wrong information? I should not be reported late as I work very hard to keep building my credit
Consumer complaint received 2024-10-10
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)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The numerous inaccuracies related to ( XXXX Account Number : XXXX ) are highly injurious to my credit score. 

It has been over 30 days, the agencies report inconsistent information from the sole provider and the agencies have not reported changes, updates and findings clearly to CFPB via the consumer portal.

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at approximately three in the morning, my phone and debit card were stolen from XXXX XXXX and Bank of America. Numerous acts of fraud took place on both accounts totaling around {$17000.00}. Immediately, I had to go buy a new phone and call my bank to report fraud and have my accounts locked. So far all the fraud and all of the reports were in my favor of the XXXX  XXXX and I got the {$15000.00} back. However, there were two Zelle payments were made on Bank of America. There were two transactions each one was {$1000.00} totaling {$2000.00}. There were credit card charges that were refunded As well. 
However, the {$2000.00} sent on Zelle has still not been returned to me. When I called to check up, they say theres no new information. The claim reversed and took a debit out of my account. The reason they cant claim is, they cant prove that my phone was actually stolen. But they saying that they were sent from a trusted device, and the verification codes were sent to trusted device. It was sent to my device and she knew my phone pin. So as of right now, its been about two months and I still haven't got the money back. Please help me. If you need more information, just let me know. 
I submitted a bunch of documents to Bank of America, basically showing that it was fraud, and I deserve to get the money back, but it hasnt worked
Consumer complaint received 2024-10-10
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. (GA)

I am sending over a demand to arbitrate letter through the mail certified for inaccurate reporting violating my rights and it is a violation of the FCRA, EOA, also racially profiling me causing me to suffer while infringing on my rights. This message is in regards to my consumer report and the suffering mentally, physically, and emotional distress along with damages to my name, character and that I have discriminatory profiled for my race as an XXXX XXXX, and XXXX XXXX like myself due to low income and the disadvantages we XXXX of people go through with this agencie. I have attached the necessary forms and documents.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX BALANCE {$9400.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (SC)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-10-16
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. (TN)

XXXX XXXX claimed that I opened joint business account with them in the year XXXX. The account was charged off in XXXX. I have yet to receive a 1099c to add to form 892 to send this to irs letting them know that I am insolvent and that my responsibility out weighs my income. I have requested the form from them several different times just for them to tell me that although it has been charged off they have not written it off the book yet. So isn't that fraudulent that for two years you have been writing off the same account? the account number from what I gather is # XXXX XXXX XXXX XXXX -- XXXX -- -- XXXX