davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C 1681c-2 ) that you the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections or hard inquiries as reported
Consumer complaint received 2024-07-13
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-13
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. (FL)

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

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-08
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15. U.S.C. 1681 Section 604.A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-07-14
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)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report, and not to be VERIFIED nor UPDATED. 
Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Consumer complaint received 2024-07-13
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. (AZ)

HARD INQUIRIES WERE DELETED ON CONSUMER 'S CREDIT REPORT BUT HAS NOT YET REFLECTED NOR REMOVED FROM CONSUMER 'S CREDIT REPORT. ALL UNKNOWN HARD INQUIRIES SHALL BE DELETED AND REMOVED IMMEDIATELY ASAP.
Consumer complaint received 2024-07-12
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. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-12
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. (GA)

I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXXXXXX - Inquiry Date : XX/XX/202XXXX XXXX - Inquiry Date : XX/XX/2023 XXXX XXXX - Inquiry Date : XX/XX/202XXXX XXXX XXXX - Inquiry Date : XX/XX/2023 These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I received a copy of my credit reports from XXXX, Equifax, and XXXX. Those credit reports contained inaccurate information on my credit reports. I have reached out to each credit bureau asking requesting them to show me proof that the information on my credit reports are accurate and each time, they have failed to do so. I am becoming very frustrated with the response of these bureaus as I have mailed them proof of my identity and address and each time they have corresponded with only copies of my credit reports. The following information is incorrect on my credit reports from each credit bureau : XXXX XXXX XXXX reporting a late payment of 30 days, I was never late XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXXXXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXXXXXX XXXX XXXX I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof The following inquires I did not authorize XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX The inaccurate reporting on my credit profile are causing harm to me as a consumer. I have given XXXX, Equifax, and XXXX plenty of time to respond to me and show me proof of where these debts and inquiries have originated from and they have not given me any such information. My rights as a consumer have been violated and I have the rights to take legal actions against them.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I am writing to formally notify Equifax of severe ethical and legal breaches. These actions have resulted in the deprivation of constitutional rights of survivors of human trafficking, in violation of Title 18 U.S.C. 242.

My advocate for human trafficking is affiliated with various governmental organizations as an XXXX, I have encountered continuous denial and delay from Equifax in addressing the adverse information on the credit reports of XXXX survivors.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION (FL)

Im a victim of fraud, someone use a credit card ( Truist credit card ) under my name, I filed a claim XX/XX/XXXX, I have been waiting for more than 90 days, now is affecting my credit, because of that my bank XXXX bank close my, credit, checking and savings accounts. I need this to get resolved. Someone please help me. 
Thank you.
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, the consumer and natural person, was denied credit by XXXX XXXX when my Card was closed without my consent. 

Credit card XXXX XXXX ACCOUNT CLOSED BY CREDIT GRANTOR For questions regarding this account please contact : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 
1691 as I have proof that I was discriminated against by XXXX XXXX to the response I received. 

XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX. 

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards,
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

I currently bank with TRUIST. I also banked with both BB & T and SunTrust prior to the merger. The issue I am experiencing is that my bills have not been paid since before the end of XXXX. 
I set up Bill Payer on a monthly basis. After setting up the monthly bills to be paid each month, I check my account to make sure the bills were paid and to make sure funds are sufficient to pay the bills. My bills were not paid beginning XX/XX/year> to present. My bills were scheduled to be paid through Bill Payer and they were CANCELLED by TRUIST BANK. This was not due to lack of funds. I have been trying to resolve this issue with TRUIST since the beginning of XXXX. Due to the the delay in payment to one of my Payee 's, TRUIST jeopardized a " no interest '' credit card account that has been maintained without any late payments well over a year. Currently, I am still waiting for resolution to the problem. I have updated the Payees ' Information, Passwords and User Name to assist in fixing the problem. Instead, now my account is actively showing that 9 upcoming payments ( some double or triple payments to the same payee ), are scheduled to be paid. However, the " Transaction Details '' page is showing conflicting information that the Payee 's " Status '' is " Canceled ''. This would mean that the payee would NOT be paid. Most Payees are listed multiple times in an effort to resolve the issue per the directive from the customer representative on the phone. Are you able to assist with the banking issue?
Consumer complaint received 2024-07-11
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)

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.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 8
Consumer complaint received 2024-07-11
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. (NV)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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: OneMain Finance Corporation (FL)

One main financial scenario, In XXXX of last year i received a pre approval on XXXX for the credit cart I applied and they approved me for XXXX The card was never received nor activated They confirmed over the phone that the account was past due but saw it was never activated or used. The only charge was a {$34.00} fee from them directly. 

The rep confirmed the card was not activated and waved the {$34.00} fee. 

Following waving the fee he asked me if ide like the card sent or close the account. I asked him to please close the account I dont need the credit card I just dont want my credit being affected for a card I never received, activated, or used. 

He closed the account for me.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I have had opened a Checkings account with Citizens Bank at XXXX XXXX XXXX, XXXX, RI. The account number is XXXX I was told by the bank official that I would be getting USD XXXX ( Usd XXXX for account opening after direct deposit of USD XXXX and USD XXXX for using my debit card XXXX times in 60 days ). 

I completed both the pre requisites and did not recieve the bonus amount. 

Upon contacting the Bank, was told that this was not a valid offer in branch that time, and I should have opened the account online only. 
Helpdesk further suggested to reach out to branch regarding the same. 

Upon contacting the branch, was told that manager is not available to discuss, but they are capturing my issue and asked me to contact after 1 week Upon contacting today again, I was told to contact them again tomorrow. 

It is clear case of cheating and mis representation.
Consumer complaint received 2024-07-11
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)

FIRST NOTICE!!! As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.