davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

To Whom It May Concern, I am writing to address a serious and urgent issue regarding the compromise of my social security number, which has led to identity theft and a data breach. I have already filed an FTC Report, which is enclosed with this letter. Under 15 U.S.C. 1681c-2 ( c ) ( a ), it is your legal obligation to block and remove all fraudulent information linked to this identity theft from my credit report. The law requires that credit reporting agencies act immediately, specifically within four business days of receiving a dispute accompanied by the necessary documentation. As such, I am demanding the immediate removal of the following disputed items from my credit report : XXXX XXXX - XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. XXXX XXXX charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate. 
Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from TransUnion, XXXX, and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Been going through a tough financial year due to a divorce. I have been able to make monthly payments that satisfy the due amount, but every month I see the late charges increasing. I called the service line to get an explanation on how late fees work, but the rep did not know that information. Asked if I could get a breakdown of the late charge fees ( I had never seen a {$300.00} late charge accrued fee ) but was not able to get a straight reply. The rep explained that Wells Fargo provides a 15-day grace period after a payment is due, then the fees hit ; however, rep was not able to explain systematically how they work. Every time I make a payment, you would think I would be hitting some of those late fees, but every statement they seem to be getting larger. My concern is not so much about the late fees itself, after all ; did not pay on time ; my concern is about the legal grounds of the late fees. It does not seem to be a straightforward charge.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

Debt collectors are required by the FDCPA to send you a written validation notice with information about the debt theyre trying to collect before reporting this to the credit bureaus. 

Transworld failed to do this therefore this account should not be reporting on my credit report. 

In addition, Theres no proof that this debt belongs to me. I have not had any accounts with the original creditor listed under this account. XXXX was unable to provide me with any documentation regarding this so called debt.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Navy Federal charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate. 
Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from XXXX, XXXX, and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.
Consumer complaint received 2024-09-25
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

XXXX : XXXX XXXX XXXXXXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX OF XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection Equifax XXXX Account Number XXXX XXXX Open : XX/XX/XXXX Balance : {$510.00} - late/closed XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Collection XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$510.00} - Late/Closed XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXXXXXX XXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : {$80.00} - Collection
Consumer complaint received 2024-09-25
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)

RE : Last 4 of SSN XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX under account # XXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. Because the automated response that is attached is unacceptable. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 






Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX method of verification
Consumer complaint received 2024-02-02
Product: Credit reporting 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. (TX)

I PROVIDED THE ( IDENTITY THEFT POLICE REPORT ) AS WELL AS THE FTC REPORT i provided all the documentaion to verify my identity this is also my SECOND cfpb complaint THE said credit reporting agency has not UPDATED NOR REPORTED ACCURATE INFORMATION as should be upheld due to the F.C.R.A.

15 U.S.C 1681n 15 U.S.C 1681q has been violated by the said CREDIT REPORTING AGENCY the credit reporting agency DID NOT DELETE THE NEGATIVE ACCOUNTS NOR THE UNAUTHORIZED HARD INQUIRIES
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

On XX/XX/XXXX sent me a letter alleging I owe {$23000.00}. Exhibit 1 On XX/XX/XXXX, I responded to the letter requesting certain information. Exhibit 2 On XX/XX/XXXX, XXXX sent documents that further misrepresented the amount of the debt by adding attorney fees, move out fees, and other fees not legally owed or permitted to collect because the amount was incorrect. Exhibit 3 Attached to the verification of debt was {$1800.00} in alleged damages that were added without a court order and in violation of 765 ILCS 710/1. See Exhibit 6 that states may not withhold any part of that deposit as reimbursement for property damage unless the lessor has, within 30 days of the date that the lessee vacated the leased premises, furnished to the lessee, by personal delivery, by postmarked mail directed to his or her last known address, or by electronic mail to a verified electronic mail address provided by the lessee, an itemized statement of the damage allegedly caused to the leased premises and the estimated or actual cost for repairing or replacing each item on that statement, attaching the paid receipts, or copies thereof, for the repair or replacement. Exhibit 4 ) ( This notice was never sent in violation of 765 ILCS 710/1 ) The amount FCO was incorrect because the order granting damages was {$11000.00} that was good through XX/XX/XXXX. Exhibit 4. I moved on XX/XX/XXXX and even with the prorated rent the total amount owed would be approximately {$13.00}, XXXX. XXXX and its client intentionally tried to defraud me and have put this information on my credit which has cause my insurance rate to go up, made me have anxiety and fear that my credit is ruined and I will now be delayed in getting a house or being able to move in the future.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Id theft victim. The following accounts do not belong to me 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 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 don't 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 and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, 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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Year of 2019 purchased a vehicle with Infiniti as the cobuyer, finance manager informed me my name would be taken off in 6 months, XXXX XXXX is the primary buyer, nissan which is who the loan is with falsified my name as the primary owner because they could not find XXXX XXXX, they REPO the vehicle after it was stolen for 60 days, they did not contact me or XXXX XXXX to buy back, they waited 3 years to reach out and tell me i owe them around XXXX when they sold the vehicle and never given proof of sale or who they sold it too. This is all against the law, they been harrassing me making threats, reporting late payments on my credit when i do not even have the vehicle or loan with them. They first closed the account and reported it was resolved, then they sold the account to another creditor thats been harrassing me also making threats. Ive tried to resolve the issue by asking for proof but now its past the 3 year mark and they have to remove this off my credit. they are reporting late payments when they sold the vehicle on whatever date they sold it because again i do not even have that information. I reached out to XXXX XXXX and they have it on his credit too. So they are reporting late payments and also a debt on two persons credit, that is illegal in marland and they also did not contact XXXX XXXX about this. He has disputed it with XXXX and informed them that this is his loan.
Consumer complaint received 2024-01-12
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. (MO)

2 Notifications from Experian at XXXX XXXX and XXXX XXXX they say disputes are ready ONLY THING IS THESE DISPUTES ARE ON ACCOUNTS I PAID IN FULL MONTHS AND YEARS AGO THIS IS COMPLETE NEGLECT AND FRAUD
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/XXXX I called to TD bank regarding my business account ( XXXX XXXX XXXX  ) and ask to put stop payment on transaction I said name of the debtor and exact amount ( {$4700.00} ). Representative from a bank told me ok and its a stop payment fee I agreed. Same day I saw stop payment on my business account which is ok On XX/XX/XXXX I saw in my business account that transaction which i put a stop payment is pending and bank paying this I immediately contact assistant branch manager came to the bank and she start working on my account to fix that. She spoke with supervisor small business support and supervisor form ACH department everybody told her that transaction will go back and they will stop this transaction. Next day XX/XX/2016 transaction still there. This transaction was very big amount of money and my account balance was not enough to cover that transaction I was mentioned that to bank representative before I even put a stop payment. But they honored that transaction even i have an insufficient funds to cover that .Monday we contact TD bank again and they told us ( me and a assistant branch manager ) the can not do nothing.I just open a dispute but they told me its probably useless???
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

was to buy a car from XXXX XXXX XXXX XXXX XXXX of XXXX Iowa via they're web site for agreed price of {$49000.00}. car was to be transported to my address after money was wired from my bank, XXXX XXXX XXXX Bank of America account # XXXX money was wired on XXXX XXXX, XXXX car was never received, I notified XXXX XXXX XXXX XXXX in early XXXX received a case number XXXX, have not heard back
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-25
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. (NY)

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax, I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Thank you for your immediate attention to this matter.