davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute several inaccuracies on my credit report. The following accounts contain incomplete and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting the immediate removal of these accounts from my credit report. 

Below are the details of the disputed items : XXXX. Account Name : XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX Account Number : XXXX Dispute Reason : This account is inaccurately reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in closed status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 

The information reported is in violation of the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. In cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the Supreme Court underscored the importance of accurate reporting. Additionally, in XXXX v. TransUnion LLC ( XXXX XXXX XXXX XXXX, XXXX ), TransUnion was held liable for failing to ensure accurate information on consumer reports
Consumer complaint received 2024-06-20
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-06-20
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)

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 - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ) XXXX 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX TEXAS ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute several inaccuracies on my credit report. The following accounts contain incomplete and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting the immediate removal of these accounts from my credit report. 

Below are the details of the disputed items : XXXX. Account Name : XXXX XXXX XXXX  Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX Account Number : XXXX Dispute Reason : This account is inaccurately reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in closed status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 

The information reported is in violation of the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. In cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the Supreme Court underscored the importance of accurate reporting. Additionally, in XXXX v. TransUnion LLC ( XXXX XXXX XXXX XXXX, XXXX ), TransUnion was held liable for failing to ensure accurate information on consumer reports
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Collect Agency has not provided validation information under 12 CRF 1006.34 ( b ) ( 5 ) but yet the placed a collection on my consumer report. 

I have not been given a chance to dispute account according to 12 CRF 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- 2 ( 7 ) ( a ).
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC (CA)

On XX/XX/year> I received an email verification request and that my mobile number had been changed. When I tried to log in, I was told that the account was compromised and that they would be issuing me a check and closing the account. The lady I spoke with said that no information about this would be sent to me even though I am requesting.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Roadrunner Account Services, LLC (PA)

I am writing to follow up on my previous complaint regarding the unlawful repossession of my vehicle and the improper handling of my account by XXXX XXXX. I have received your response dated XX/XX/XXXX, which included an assertion that the Notice of Intent to Sell was sent via certified mail on XX/XX/XXXX, but the tracking information is no longer available due to XXXX retention policies. 

Key Points of Contention Lack of Official XXXX Certified Mail Stamp : The provided XXXX Certified Mail tracking slip lacks an official XXXX stamp. An official XXXX certified mail receipt must bear a postal stamp to validate that it was processed through the XXXX system. The absence of this stamp suggests that the letter was not sent via the proper certified mail procedure. 

Inconsistencies with XXXX Retention Policies : While it is true that XXXX retains tracking data for certified letters for XXXX years, the absence of an official stamp on the certified mail slip itself raises concerns about the authenticity of the mailing process. The lack of proper documentation indicates potential mail fraud. 

Violations and Legal Implications By failing to provide proper documentation and evidence that the Notice of Intent to Sell was sent via certified mail, Roadrunner Financial has potentially committed mail fraud. According to federal law : Mail Fraud ( 18 U.S.C. 1341 ) : Mail fraud occurs when there is a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises, and the scheme involves the use of the postal system. 
Given the lack of an official XXXX stamp and the inability to track the certified mail, I am led to believe that the notice was never sent, or was sent improperly, thus violating the aforementioned statute. 

Demand for Resolution I demand the immediate waiver of any remaining deficiency balance and the deletion of this tradeline from all my credit reports. If Roadrunner Financial fails to comply with this request, I will proceed with the following actions : Filing a report with the XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) for potential mail fraud. 

Initiating legal action to seek all available remedies, including but not limited to {$30000.00} in damages for the unlawful repossession and the mishandling of my account. 
This is my final attempt to resolve this matter amicably. Please address this issue urgently to avoid further legal action.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX This account was charged off on the following date : Transunion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : NO data STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Consumer complaint received 2024-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

I sent money around {$690.00} from XXXX to my Bank Account ( XXXX ) through Western Union at XX/XX/year>, XXXXXXXX XXXX I got email that explain when will i receive that. They mentioned by XX/XX/year> i will receive my money through my bank account, but until now at XX/XX/year> i didn't receive it.
Consumer complaint received 2024-06-22
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2024-06-24
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
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. (CA)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (FL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am bringing to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is sincerely appreciated.
Consumer complaint received 2024-06-19
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. (OH)

I obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 

I am giving your company the opportunity to make this matter right by way of the following : * REMOVE ACCOUNTS * REMOVE LATE PAYMENTS * REMOVE INQUIRIES
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-11-20
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. (AL)

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX. Acct XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A : States I have a right to privacy.

15 U.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account with 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 adverse item of information, other than records 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 cause to believe that the information is inaccurate.