davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THIS INFORMATION THAT ON MY CREDIT REPORT =XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) _ XXXX XXXX ( XXXXXXXX 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  XX/XX/XXXX STEMS FROM ME BEING A VICTIM OF XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS INLIGHT OF SECTION 605 C OF THE F.C.R ACT THANKS FOR YOUR HELP AND UNDERSTANDING
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

I made purchases from a merchant XXXX on XX/XX/23 & XX/XX/23. Neither of these were received by me. Once I reported this to the merchant I couldnt get any assistance from them so I went to my bank, Chime, to dispute the charges one for {$110.00} & {$91.00} respectively. I have called countless times to the bank Chime and the merchant as they both continue to point fingers at one another. I was asked to wait until XX/XX/23 to get my money back to allow the bank time to investigate which would be acceptable if the merchant hadnt already admitted fault and tried twice to process a refund. When I disputed the charges with the bank the representative haphazardly reported my card lost or stolen despite my saying that the dispute was surrounding a purchase where merchandise wasnt received and the merchant was unable or unwilling at the time to refund my money. Had the bank representative correctly categorized my claim Id have been refunded by now, two months later. In the subsequent time the merchant has recognized the error and admitted it in writing and attempted to resolve it but the bank, Chime, has yet to refund my money even with two different emails from said merchant admitting they were at fault. Im at my wits end with the back and forth calls and run around Im given from the bank and they continue to site this mythical investigations team, who can not be spoken with, that is to make the decision. Needless to say they denied the initial dispute citing they found no evidence of my claims validity even with the evidence from the merchant directly. The cascading failures of this bank confirmed to fall in my lap and I simply want my money back so I can end our relationship while trying to avoid litigation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. 
XXXX XXXXXXXX XXXX XXXX {$15000.00}
Consumer complaint received 2024-08-05
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. (NY)

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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the collection account reported by XXXX XXXX XXXX  for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. **Lack of Debt Validation** Under **15 U.S.C. 1692g** of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXX. **Lack of Assignment Contract** Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.
Consumer complaint received 2024-08-06
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. (IL)

I request that you promptly block and eliminate the false accounts reported on my credit report. This action is urgent to prevent further harm to my credit standing. Kindly block and remove the inaccurately reported accounts on my credit report immediately. It is essential to do this promptly as these errors are affecting my creditworthiness.
Consumer complaint received 2024-08-06
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. (PA)

My account with XXXX XXXX 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 those account 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 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you. The XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loans and credit card account opened at XXXX XXXX  on XXXX under the account number XXXX # an a loan account opened at XXXX XXXX XXXX under the account number XXXX # account opened at XXXX XXXX  on XXXX under the account number XXXX # and a account opened at XXXX  XXXX on XXXX under the account number XXXX # .That appears related to the aforementioned These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint, FTC case number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize these credit inquires. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-17
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. (HI)

Experian is breaking federal law Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] The consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( THIS IS MY SEVENTH TIME OVER THIS YEAR TRYING TO RESOLVE THIS ISSUE WITH EXPERIAN, THE OTHER TWO AGENCIES COMPLIED AND DELETED THIS ITEM SO HOW EXPERIAN IS SAYING THIS INFORMATION IS VERIFIED AND CORRECT )? 

On case law XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc., XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX and case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Systems , Inc. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), child support accounts are not credit transactions and they are judgments.

According to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( XXXX XXXX ), judgments are not considered credit transactions, and it is illegal to report them on a credit report.

The inclusion of these accounts on my credit report is a violation of federal law, and it is affecting my LIFE ADVERSELY.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/31 I was made aware that my checks from my bill pay service had the incorrect account number this was after I was paying the correct amount and sending to the creditor from my bill pay service. Before this letter arrived Comenity Bank the issuer of this card was charging me {$29.00} each month and I was unaware of these fees. I was charged a total of {$140.00} and they gave me credit for {$29.00} and they will not credit my account any further. I did not realize this error until 6 late payments were charged as the credit card company did not notify me of the problem. 

I have tried to call to resolve this issue, but the Account managers say they can do nothing even though they are aware that this was an error in entering the correct account number using my bill pay service, but the check was arriving before the due date. The current amount that is owed on the late fees is {$110.00} and I am asking for those fees to be reversed.
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (PA)

I was extremely disappointed to find unauthorized inquiries on my credit report this evening. I routinely check my credit report, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but the inquiries remained. Im frustrated and request that the documents Ive submitted be thoroughly reviewed so I can have peace of mind moving forward.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (FL)

I received two separate billing statements for two home improvement loans, one that my wife supposedly took in the amount of {$50000.00} and another statement for a loan in my name for {$43000.00}. 
Both billing statements received requested banking information to signup for ACH payments. 
I called the company on numerous occasions to let them know that a mistake was made and that we never received or applied for any home improvement loan. They were adamant that without supplying further detailed personal information they couldn't discuss or acknowledge the loans. 
This is a case of fraud!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company 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 2024-08-05
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-08-12
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. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

To whom it may Concern, Before i XXXX  from the XXXX, back in XX/XX/XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender