davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The following accounts needs to be deleted from my credit report as soon as possible ; DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (AL)

Opened a Truist checking account on XX/XX/year> using promo code XXXX that triggers a promo event to receive {$400.00} when the following conditions occur within 90 days ( i.e. by XX/XX/year> ) of account opening : ( 1 ) at least XXXX qualifying direct deposit of at least {$500.00} or more is received, ( 2 ) complete at least XXXX qualifying debit card transactions. I completed the direct deposit on XX/XX/year> in the amount of {$1000.00}. I completed the XXXX debit card transactions on XX/XX/year>. I received an email on XX/XX/year> from the Truist automated rewards systems denoting that I did not qualify to receive the {$400.00} bonus. I called into customer support on XX/XX/year> and the phone agent informed me that I didn't qualify because their system failed to recognize the XXXX debit card transactions. The phone agent offered no agreement that their system was at fault and offered no resolution whereby I could still receive my {$400.00} bonus. I would argue that my XXXX debit card transactions did qualify on the grounds that they were " recurring transactions '' which is evident in that each of the XXXX debit card transactions are from the same source and in the same amounts conducted automatically ; thereby being " recurring ''. Additionally, the details described in qualifying debit card transactions does not explicitly exclude purchases through XXXX and XXXX. The ambiguity of the debit card transactions description of the bank promo reasonably favors my interpretation.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NY)

In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX  XXXX 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 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 that reported 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. 


XXXX XXXX, XXXXXXXX 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
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

Logged into XXXX to place freeze on my credit report. XXXX website errors out and displays this message : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX a.m. - XXXX p.m. and Saturday - Sunday XXXX a.m - XXXX p.m. XXXX XXXX. '' Logged into Equifax to place freeze on my credit report. Equifax website errors out and displays this message : " Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX team XXXX ( XXXX ) ''
Consumer complaint received 2024-10-26
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : TBOM/ATLS/FORTIVA # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 2024-06-26
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)

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Transunion was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove XXXX  XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX refuse to remove account off my credit report that is do from Id theft they also still reporting inaccurate accounts with out my written consent I contact XXXX 5 to 10 times a day and yet they has did anything dishonoring my police report and ftc reports on the account and questions I ask for the account to be removed and block transition refused to do any thing but causing financial harm and stressed and my living saturation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX DID NOT NOTIFY ME OF THE DEBT IN MY NAME ALSO REFUSED MY FTC REPORTS STATING THAT I DID NOT LIST THE ACCOUNT ON MY FTC REPORT THEY RECIVE MANY REPORTS BUT FAIL TO ACCEPT THAT I WAS A VICTIM OF ID THEFT. VOILATING MY RIGHT I ASK THEM REINVESTAGATED THE DEBT CODES BEEN VIOLATED AND RULES WAS IGNORE WAS NOT PROPERLY NOTIFY OF THE DATE BEFORE ADDING ON MY CREDIT REPORT. WHEN ASK FOR VAILDATION THEY SENT ME A STATEMENT OF PURCHASES I DID NOT MAKE not accurate DOCUMENTS SHOW ME WHERE I SIGN OR THEY GAVE ME XXXX THEY HAVE YET TO SHOW ME I TOOK OR THEY GAVE ME ANYTHING. THIS COMPANY IS NOT APPLYING THE FRCA RULES FAILING TO REMOVE THE ACCOUNT FROM ALL REPORTING AGENCY .XXXX  AS WELL SATING AS XXXX XXXX XXXX XXXX  REFUSED ME OF MY RIGHTS UNDER THE FCRA SHE SAID HER BACK OFFICE XXXX DID NOT ACCPECT MY FTC OR POLICE REPORT CAUSING FINANCIAL HARM AND DEFORMATION OF CHARACTER CAUSING ME BE DENIAL FROM XXXX XXXX THE ACCOUNTS THEY REPORTED HAS BEEN REMOVE FROM THE ACUTAL CREDITOR BUT XXXX STILL COMING SAYING THEY VERIFY PROOF. when it. from id theft,
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

I am having trouble getting the company to understand why my transfer to my external account takes 3 days, when my daughter XXXX XXXX account takes seconds for transfer. As well as friends and family, who also back with JP Morgan chase and use XXXX XXXX  as their external account
Consumer complaint received 2024-06-26
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela inappropriately coerced many into early recertification of income, despite federal guidance. My plan was inappropriately changed from the Pay as You Earn Plan ( PAYE ) to a standard repayment plan following my recertification. Following federal guidance about recertification and payments reverting to previous amounts ( https : //studentaid.govXXXX XXXX, I called Mohela in XXXX, XXXX, XXXX, and XXXX to ask that they 1 ) place me back on my requested IDR plan ( PAYE ) AND to revert payments back to amount paid in XX/XX/2024, again, per federal guidance. Each phone call, I was assured that these errors would be fixed in a timely fashion. Six months later, no change has been made on my account regarding either of these errors. These errors significantly impact my chance of achieving public service loan forgiveness, and immediate attention would be so appreciated.
Consumer complaint received 2024-06-26
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. (VA)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-06-26
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Equifax XXXX XXXX XXXX  XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX XXXXAccount Number : XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

The original credit card was through XXXX XXXX XXXX  On XX/XX/XXXX the credit card account was charged off by XXXX XXXXXXXX XXXX ( which is considered income as a certificate of indebtedness and should not be reported to credit report ). As of XX/XX/XXXX the debt was paid/purchased by XXXX XXXX XXXXResurgent Capital Services XXXX XXXX LVNV/Resurgent are attempting to collect on a debt that has already been paid, through their collection efforts. This is a violation of FDCPA regulations on Third Party Collections. On XX/XX/XXXX a certified letter was sent to Resurgent Capital Services requesting a validation of debt. Some of the validation items included : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Signed agreement with XXXX/Resurgent agreeing to pay the alleged amount As a result, a return letter of a statement from XXXX XXXX and explanation cover letter was provided with none of the requested items provided. I am looking to have this collection amount of {$1200.00} be removed from all three major credit bureaus such as XXXX, XXXX, and XXXX.
Consumer complaint received 2024-06-26
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)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX - XXXX The negative information displayed above has not been verified to be in compliance with reporting standards. It has not been confirmed to be accurate, complete, timely, and validated. As per applicable consumer laws, you are required to provide documented proof of compliance with reporting standards. The information provided is deficient, and I demand that any imperfect, inaccurate, incomplete, and unverified information be removed from my credit report immediately.
Consumer complaint received 2024-06-26
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)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.