davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

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

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

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX, XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-09-10
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)

I am a victim of identity theft. These are the inquiries with the name and date attached to them, that was fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They a breaking the credit law. Please have this resolved with the credit bureaus immediately and have them have these inquiries removed immediately! 

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
Consumer complaint received 2024-07-29
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 existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX  ( ACCOUNT # XXXX ) I looked at my XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if 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 supposed 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.

Also 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-10
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)

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 15USC 1681. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) sections 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 antedated 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.

15 U.S.C 1692c you have violated my rights by unlawful communication.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Several collection were reported on my credit report and According to 15 USC 1692 without my written consent its illegal for a collection agency to buy up my debt and come after me. please remove all collections off my credit report thank you.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of this account and request that it be investigated and corrected or removed. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate information. If this debt is found to be invalid or unverified, I request its removal from my credit report. Furthermore, I am requesting validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Please provide all necessary documentation to prove that this debt is valid and that I am responsible for it. If you can not provide such documentation, I request that you remove this collection account from my credit report. Please notify me of the outcome of your investigation at your earliest convenience. Thank you for your prompt attention to this matter. The company title is " XXXX XXXX XXXX ''. The balance on my credit report is {$750.00}. The account numbers are ( XXXX ). This collection was opened on XX/XX/XXXX. As of XX/XX/XXXX is when I noticed the collection.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

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 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 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 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HEAD MERCANTILE CO., INC. (MS)

SOS Group- XXXX XXXX called me to ask why I disputed the collection and I said because I have explained and confirmed with a VA representative on the phone with an SOS group that I, the patient, is not responsible for the debt. XXXX said she can't confirm I'm not responsible so I asked her the confirmation from the VA rep on the call with us said it clearly. She denied it happened and said she will continue to refile the collection. 
XX/XX/2024 XXXX XXXX Told me my collection with them is not her problem. Said I was yelling ( i XXXX XXXX XXXX XXXX can not yell ) I kept asking her to not speak over me so I could explain the process the VA has taken to try to resolve this issue. XXXX told me I need to take a manners class and said she would not help me or call me back. 
XXXX XXXX called me and told me I was a liar when I told him I spoke in a 3-way call with a VA rep and an SOS group rep. I told him I also had a 3-way call with the VA and the hospital and he kept telling me I was lying that the collections does not speak to the hospital. I tried to correct him saying I had calls between the VA and Sos and then the hospital and Va. he continued to tell me he will keep refilling the collection. The debt is not his problem. He continued to call me a liar. I asked to send him the receipt and authorization of payment and he said he doesn't want it. It's not his problem and he will keep denying the dispute to credit companies. I told him I appreciate his time and thank you for speaking to me and he said " well i don't appreciate you at all. '' And hung up on me.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This dispute is regarding XXXX XXXX Inaccuracy # 1XXXX The " date of last activity '' does not match across XXXX XXXX XXXX, and Equifax XXXX XXXX reports XX/XX/XXXX, XXXX shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. This date must be accurate because this is the date of original delinquency. A collection account can only stay on your credit report for 7 years and then it is deleted. This date also determines when the statute of limitations is up and shows how long a debt collector has to sue and in Texas that is 4 years. 

Inaccuracy # 2- The amount owed of does not match across the bureaus. XXXX is reporting {$500.00}, XXXX is reporting {$500.00}, and Equifax is reporting {$500.00}. 

Inaccuracy # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

Inaccuracy # 4XXXX The " Open date '' does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

Other Violations on this collection account include : -Equifax is reporting a past due amount of {$500.00}. Collection accounts are closed and there for should not be reporting a past due balance. 
-XXXX  is reporting is reporting this closed collection account as " open ''. 
-There is no date of last payment listed for any of the credit bureaus. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information. 

XXXX and the credit reporting agencies XXXX, XXXX, and Equifax were made aware of all FCRA violations multiple time and the issues were left uncorrected every time. They have also NEVER provided the original contract containing my wet signature, NEVER provided an itemized billing statement of all payments made, NEVER showed proof of ownership to show that they are authorized to the collect the debt, and NEVER provided the method of how the collection balance was calculated. I have already requested this information in previous disputes. This company is taking part in illegal debt collection practices and after this I dispute, if the violation is not fixed, I will be taking further legal action.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX an autopay payment was rejected by my bank. The payment was immediately reissued and was within the statement 's agreed payment period. On XX/XX/XXXX, Amex charged a " Return Payment Fee '' of {$29.00}. 

On XX/XX/XXXX, I asked a Amex Support where in the autopay enrollment it discloses that automated actions could result in charges. The support person acknowledged that the charges are only disclosed in the card holder agreement. 

Failure to provide notice of additional fees as part of enrollment in a new service, autopay, is deceptive. The service performs an automated action that can result in charges while the user is not informed.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have paid off my credit card debt with Capital One on XX/XX/XXXX. 
I can show on my bank statement the balance amount being paid to CapitalOne on XXXX XXXX, XXXX. 

CapitalOne online is still not showing my payment as of XX/XX/XXXX and is stating my account is overdue and a payment must be made to avoid late fees. I'm sure CapitalOne will also report a false statement to the credit burea. 

I called and spoke to a person at Capital One by the name XXXX, only name he gave me, on XXXX XXXX, XXXX at XXXX XXXX  PST. 
He gave me no real answer and said to give it a few days. 

This is the first time my deposit has not appeared the next day. I'm afraid it will damage my credit score, I am currently at 100 % at paying my bills on time. I have screenshots and accounts available as proof of my complaint. Also, I would like to close this account now that it is paid off to avoid being charged their annual fee in about 2 weeks.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
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. (PR)

This account with more than nine years in my credit history contains inaccurate information in the different credit bureaus, which does not reflect payment history or date of first delinquency, indicating that the account was sold in XX/XX/year> without including who it was sold to. This inaccurate information falsely minipulates the statute of limitations.I am demanding a deletion of the following account : TRANSUNION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.