davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Equifax has completely and irresponsibly handled every dispute for the last 12 months. When called they say they are putting disputes in but hook return call the new person says no such thing has happened. They told me to use the app but the app crashes, can not handle and submitted documents and will direct you to make a call to the company. When submitting over mail company has refused to analyze documents saying they are unacceptable they are getting photos copies of legal documents I would never send them a document they have been known not to process. They have received my correct XXXX credit report and have still refused to investigate issues. They have given return mail they dont recall sending when I call back and they are requesting the same verification files Ive already set. They do not investigate issues as other companies have. They violate consumer rights and say its no there responsibility to investigate issues only the company whos errors/frauds. They dont run FCRA standard investigations. Ive disputing files for 1.5 years with this company and they have not researched a single issues
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

XXXXCBNA is a paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (MO)

This collection agency continues to violation my consumer rights along with folling FCRA laws. They munipulate tthe credit bureaus to rfeport inaccurate and false information. I have a letter that shows the proof
Consumer complaint received 2024-10-04
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. (LA)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXXXXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-08-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX is violating my rights under FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( 4 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Consumer complaint received 2024-09-16
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. (TX)

I have previously disputed XXXX XXXX XXXX XXXX  CASE NUMBER : XXXX Bankruptcy Dates XX/XX/24, XX/XX/24, and XX/XX/24 with all credit reporting agencies. in response they verified the item as accurate, stating they verified the information with the courts. I contacted the courts and their response is attached it's clear the courts do not report to any credit reporting agencies ; therefore, their initial response verifying the item with the court was an error or fraudulent. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), and the information must be deleted Immediately. 

I'm attaching an affidavit and photo identification as proof of identity to expedite the process. 

Thank You
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-10-04
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. (NJ)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

with FTC
Consumer complaint received 2024-11-01
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. (MI)

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been trying to freeze my Trans Union credit report for months. Their automated system will not allow the freeze to be placed via Automated Phone System, nor online. It states to call, and when I do it asks me to be transferred to a service representative. The hold times are prohibitively long for a person to freeze and unfreeze credit reports. It is critical to do this in order to prevent identity theft, as data has been leaked on the dark web. Please help with this.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Ive tried contacting the company several times by mail and CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND PUT THE SAME NUMBERS BACK ON MY CREDIT REPORT AND SAY ITS UPDATED
Consumer complaint received 2024-10-04
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. (NJ)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX regarding my account ( Account # : XXXX ). I have reviewed my credit reports from TransUnion, XXXX, and XXXX, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and XXXX ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and XXXX ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments.

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing.

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute.

I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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 this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-04
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. (TX)

After reviewing my credit report, I found inaccuracies that are covered by 15 USC 16c-2. This incorrect information is harming my credit standing, and since I never authorized these inquiries,
Consumer complaint received 2024-10-03
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Sentry Credit, Inc. (AL)

XX/XX/XXXX we paid our full amount. We know we are legally required some form of confirmation either by email or mail ( we requested email ), that we want written confirmation that states our payment is being processed. We explained we would like this today or tomorrow because we are needing to move into our new apartment asap and cant without this confirmation.
Consumer complaint received 2024-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

There was an uber barclays credit card that was opened using my social. I never applied for this card. Someone has access to my social and has used my identity and social to apply for credit fraudulent, including this uber barclays credit card.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I am writing to bring to your attention a matter of serious concern regarding the rejection of my credit card application through XXXX XXXX. I was rejected two times in the last several years without a reason to why. Im also a frequent flyer, so I dont understand why I was rejected.

I also used to have a Best Buy card that suddenly closed without a reason.

As an individual of XXXX descent, I am troubled by the discriminatory practices within your application process.

Despite having a strong credit history and a consistent record of credit approvals, the lack of clarity surrounding the denial raises concerns of potential discrimination. I am not alone in this experience, as there have been reports of similar incidents within the XXXX community.
Consumer complaint received 2024-10-03
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from TransUnion, XXXX, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( XXXX XXXX. XXXX ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( XXXX XXXX. XXXX ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( XXXX XXXX. XXXX ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX