davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VA)

Upon reviewing my XXXX credit card statements in late XXXX, I noticed 10 transactions all between XX/XX/XXXX and XXXX, XXXX, some just a few dollars and one was over {$1200.00}. They all said MERCHANT SALE/PURCHASE with no additional information. I submitted a fraud claim in XX/XX/XXXX. I received a letter from Barclay 's that the denied the claim. When I called the Fraud Dept today ( XX/XX/XXXX ) to ask why it was denied, the person I spoke to said it was because the charges occurred before the accounts were bought from XXXX XXXX  by Barclay 's so they didn't have any information. I find it hard to believe there is no way for them to get information from XXXX to investigate fraud claims but it seems they made no effort to do so. I would like a true fraud investigation as I don't believe I made those purchases.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My account with EQUIFAX was never late! I have had exceptional payment history with 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 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.

EQUIFAX 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 2024-09-05
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. (FL)

I am writing to inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report, added without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were placed on my report without my permission. 

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 I have already submitted a report to the Federal Trade Commission ( FTC ) regarding the identity theft and am requesting the prompt removal of these fraudulent items to correct my credit report.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS BREACHED/LOSS AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXX of 2024 Account # XXXX XXXX XXXX XXXX according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. 
Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion is in violation of Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10 TransUnion is in violation of my 5th amendment, violation of due process- equal protection under the law, Violation of 15 u.s.c 1681a
Consumer complaint received 2024-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (OH)

I am writing to file a formal complaint against NTL RECOVERY AGENCY for multiple violations of consumer protection laws, including 12 CFR 1006.34b-5, 12 CFR 1006.34c4i, 12 CFR 1006.34d, and 15 USC 1681 S2 7a . 

On XX/XX/year>, I received communication from NTL RECOVERY AGENCY regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested validation of the debt in writing. However, NTL RECOVERY AGENCY failed to provide the required validation information within the prescribed timeframe, violating 12 CFR 1006.34b-5. 

Furthermore, NTL RECOVERY AGENCY engaged in deceptive practices by failing to disclose in subsequent communications that the debt was disputed, as required by 12 CFR 1006.34c4i. 

Moreover, NTL RECOVERY AGENCY persisted in using harassing and abusive tactics, including contacting me at unreasonable hours and using threatening language, in clear violation of 12 CFR 1006.34d. 

Additionally, NTL RECOVERY AGENCY obtained and utilized my consumer report information in an unauthorized manner, violating 15 USC 1681 S2 7a of the Fair Credit Reporting Act ( FCRA ). 

These actions by NTL RECOVERY AGENCY have caused undue stress and hardship. I request that the Consumer Financial Protection Bureau investigate these violations thoroughly and take appropriate enforcement actions against NTL RECOVERY AGENCY. Furthermore, I seek remedies for the damages incurred as a result of their unlawful actions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to ensure that NTL RECOVERY AGENCY complies with all relevant consumer protection laws.
Consumer complaint received 2024-06-21
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-14
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: REGIONS FINANCIAL CORPORATION (PA)

I investigated this hard and far and I needed to be removed from my credit report as soon as possible. 
Companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies ran a XXXX inquiry without my permission or my consent. This needs to be report removed from my credit report as soon as possible because its in violation. 

US Codes 18 USC 1028 15 US Code 1602 p
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, 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. (MS)

I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to Equifax, XXXX and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$6000.00}
Consumer complaint received 2024-06-21
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-21
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. (SC)

To Whom It May Concern, I am writing to formally complain about the failure of [ XXXX/Equifax ] to properly investigate my recent requests to correct issues on my credit report. Despite submitting both factual disputes and XXXX XXXX compliance disputes regarding inaccurate reporting, I have only received generic letters from your agency stating that the information has been verified as accurate. This response is inadequate and does not address the specific inaccuracies I have identified. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 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 1 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 ( it ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (AZ)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no reply, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my credit reports by all three major credit bureaus : Experian, XXXX, and XXXX. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : 1. **Competent Evidence** : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company. 

2. **Validation of Debt** : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history. 

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status across all three bureaus.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In the scenario you've described, it seems that there are serious issues with inaccurate reporting by the consumer reporting agencies. Here 's a revised version of the response that brings up the relevant USC codes, failure to provide proof on previous disputes, and includes an invoice for damages with a demand for payment within 30 days : Subject : Formal Complaint Regarding Inaccurate Reporting and Violations of Consumer Rights Dear [ Consumer Reporting Agency ], I am writing to address the ongoing inaccuracies in my credit reports and the violations of my consumer rights by your agency. Upon reviewing my consumer reports, I have identified multiple accounts that are inaccurately listed as charged off, namely accounts numbered XXXX, XXXX, and XXXX. This inaccurate reporting is in direct violation of several provisions outlined in the United States Code ( USC ).

Specifically, your agency 's actions are in violation of the following USC codes : 1. USC 15 1681 - Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies maintain accurate and fair credit reporting practices.

2. USC 15 1692 - Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits abusive, deceptive, and unfair debt collection practices by debt collectors.

3. USC 26 6050P - Requirement to File Form 1
099-C : This section outlines the requirements for creditors to file Form 1099-C in cases of canceled debts.

Despite my previous disputes and requests for proof of the accuracy of the reported information, your agency has failed to provide the necessary documentation. This failure to comply with the FCRA and FDCPA is unacceptable and further compounds the inaccuracies in my credit reports.

Moreover, I have suffered significant damages as a result of these inaccurate reports, including but not limited to lost opportunities, increased interest rates, and mental distress. Therefore, I am attaching an invoice detailing the damages incurred, totaling [ Amount ] USD.

Per the provisions of the FCRA and FDCPA, I demand that your agency rectifies these inaccuracies and provides me with a corrected credit report within 30 days of receipt of this complaint. Additionally, I expect full payment of the damages outlined in the attached invoice within the same timeframe.

Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the aforementioned USC codes. I trust that your agency will take this matter seriously and act promptly to resolve these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with ( XXXX/DEPT OF ED, ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXXutopay. 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. 


XXXX XXXX/DEPT OF ED, ) 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 2023-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-21
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. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-21
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

PLEASE UPDATE ALL OF MY PERSONAL INFORMATION ON MY CONSUMER PROFILE AND REMOVE ALL ADDITIONAL ADDRESSES NOT LISTED IN THE DOCUMENT ATTACHMENT BELOW. ALL ADDITONAL ADDRESSES ARE NOT MINE, PLEASE REMOVE THEM. THANKS