davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

MY NAME IS XXXX XXXX AM NOT A XXXX XXXX AM A NATURAL PERSON SUBMITTING THIS COMPLAINT ON MY OWN. 

On XXXX24, I uploaded a FCRA Section 605C Self-Attestion form for XXXX XXXX  victim to Equifax, and also mailed with return receipt the same document which was received on XXXX24. I was informed by the agency whom certified my XXXX XXXX Determination Document that they had corresponded via e-mail with Equifax about the validity of the document.Equifax representatives questioned which government agency authorized XXXX XXXX  to make XXXX victim determination.This is clearly against the law to even ask this question, when the documents that are required by law were presented.The authorized agency XXXX XXXX  informed the Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX of the government entity that authorized XXXX XXXX to make XXXX  victim determination, although that is not required.I have attached correspondence. 

Equifax is willfully breaking the law as the ONLY documents that are required pursuant to 12 CFR 1022.142-Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX  victims-A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation as defined under paragraph ( B ) ( 6 ) of this section to the consumer reporting agency.

( b ) Definitions For purposes of this section : ( 1 ) Appropriate proof of identity means proof of identity that meets the requirements in 1022.123 for purposes of section 605C of the FCRA ( 6 ) XXXX  Documentation means 1 or more documents that satisfy paragraphs ( b ) ( 6 ) ( i ) and ( ii ) of this section ( c ) Is of a signed statement by the consumer attesting that the consumer is a victim of XXXX if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section ( 2 ) Non governmental organization or including victim service providers I have sent in all 3 required documents to have the adverse information blocked from my credit report within the 4 days as required by law.Equifax asking which government entity authorized the agency is against the law.No where in the law does it state that type of question is valid.I DEMAND that Equifax BLOCK these adverse items identified in my letter immediately.
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: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
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. (TX)

I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. 
I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. 
The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your help to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  Balance Owed : {$560.00} XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2024-08-05
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. (SC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Credit card PayPal XXXX Mastercard by Synchrony bank one day started to decline my transactions coming from PayPal account. Numerous calls with customer center and on average 3-4 transfers during the call lead to months of issue being unresolved and now the blocked my card in XXXX ( which had no issue before ) and I have to wait for few weeks to get it reactivated. Card itself when swiped also worked no problem. Representatives I spoke too some were not professional and rude and didnt try to help me at all. What happened is someone flagged my card for fraud while I never requested it nor reported any transaction as suspicious or unauthorized. So they flagged my card on a whim and I am stuck with suspended card for no real reason.
Consumer complaint received 2024-08-05
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
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. (AL)

XXXX transunion and XXXX have failed to remove fraudulent obtained account and is reporting inaccurate info incorrect addresses names and phone numbers see below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX And inquiry from XXXX XXXX on XXXX and 4 inquiry on other reporting agencies
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. Despite sending correspondence more than XXXX days ago, I have not received any reply, nor have they adequately verified these entries. I seek your help in addressing this issue.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc (PA)

XX/XX/XXXX Executive Credit Management , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Re : XXXX XXXX Dear Mr. XXXX : Kindly be advised that I am in receipt of your letter to XXXX xxxx in regard to the above captioned matter. I do admit to signing a one-year lease with Mr. xxxxxx in XXXX. However, I deny any and all allegations, nor do I take any responsibility to your claim of a dept in my name or any known alias. 

After one year of residing in the apartment and the lease went to a month to month basis ; Del Code 70 Del. Laws, c. 513 1 ; 79 Del.  Laws, c. 47 20 ; 5106 ( a ), I provided XXXX XXXX with notice in XXXX of my vacating the property and moving to Pennsylvania. 

My letter providing notice of vacating the property was hand delivered to the office manager/family member of the previous XXXX owner, Ms. XXXX xxxxxxxxx along with that months rent. Whereby, Ms. XXXX xxxxxxxxx verbally acknowledged receipt of my notice to vacate the property. Del Code 70 Del. Laws, c. 513 1 ; 5707 ( b ) ; Del Code 70 Del. Laws, c. 513 1 ; 5113 ( a ) ; Del Code 70 Del. Laws, c. 513 1 ; 5114 ( 1 ) ( 2 ) ( 3 ) At such time, it was the responsibility of XXXX to  ensure the credit worthiness of Mr. xxxxxx solely residing in the apartment. If XXXX felt that there was no such worthiness, they had ample time to notify Mr. xxxxxx that he would be evicted. 

Additionally, no notice was ever provided to me at my Pennsylvania residence that Mr. xxxxxx had fallen behind on rent or that over six months of back rent was due ; Del Code 70 Del.Laws, c.513 5502 ( a  ) ( b ), verifying that, in fact, XXXX was not a party to the lease. 

I understand that XXXX had sold ownership in the last year, as I personally know the previous owners. I also understand that during the process of taking new ownership of such a large rental complex, a thorough investigation perhaps was not done. I therefore, suggest a reexamination of this matter. 

In the meantime, please cease and desist your harassment of mailing letters to Mr. xxxxxx to my home. Mr. xxxxxx now resides at xxxx XXXX XXXX, XXXX, DE XXXX. 

Furthermore, please cease and desist your harassment and erroneous claim of dept in my name or any know alias. 

Very truly yours, XXXX xxx xxx Cc : XXXX XXXX
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (NJ)

I am writings dispute the accuracy of the information being reported on my credit report related to the XXXXXXXX XXXX  account with the following details Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off, {$2600.00} written off, {$2400.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$2400.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2500.00} Highest Balance : {$2600.00} Payment History : Continuous charge-offs from XX/XX/XXXX to XX/XX/XXXX On Record Until : XX/XX/XXXX I am challenging the accuracy and completeness of this information for the following reasons : 1.Lack of Proper Notice and Disclosures : Under 15 USC 1637 ( b ), creditors are required to send periodic billing statements, including necessary disclosures, to the account holder. I did not receive any such statements or notifications, including any late payment notices XXXX  days or less before the payment due date. This failure to comply with federal requirements calls into question the validity of the information being reported. 

2.Inaccurate Reporting of Payment History : The continuous charge-off status from XX/XX/XXXX to XX/XX/XXXX does not accurately reflect my payment history or any communications made with XXXX. The repeated charge-off notations suggest a lack of updates to the account, which may indicate errors or outdated information being reported. 

3. Balance and Status Inconsistencies : The reported balance of {$2400.00} as of XX/XX/XXXX, along with the previous charge-off of {$2600.00}, suggests discrepancies in how the account is being reported. Additionally, the lack of recent payments and the outdated status update from XX/XX/XXXX further indicate that this account may not be accurately reflecting my financial situation. 

Given these discrepancies, I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate information. Please provide me with a complete and detailed report of your investigation, including the documents and records used to verify the accuracy of the account information. If you are unable to verify the accuracy of the information, I request that this account be removed from my credit report. 

Please consider this letter a formal complaint under the Fair Credit Reporting Act ( FCRA ) and acknowledge receipt of this dispute in writing. I expect this matter to be resolved within the statutory time frame allowed under the FCRA.
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as described : 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( a ) : 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 The accounts below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-05
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. (FL)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (CA)

Never recieved a call, letter or notice of any kind about XXXX  debt, contacted the company after seeing the collection on my credit report, company disclosed they have my insurance on file and I will not need to pay it but have yet to remove the debt from my file even though active insurance is on file that covers the complete debt, also was told the debt could only be paid in Full and they do not do payments which I am unable to do as a college student who has not had a job in over a year to afford to pay off the debt even though I was told I do not need to since my insurance covers it and have contacted my insurance and they do cover it but the company has yet to accept any payment and has no removed the collection.
Consumer complaint received 2024-08-05
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-09
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. (IL)

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

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.