davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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. (VA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.
Consumer complaint received 2021-03-09
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. (FL)

I have requested items on my credit report be validated because there is information on my credit report that is inaccurate, there is identity theft. My credit report by law should have 100 % accurate and verified information and right now it does not. I'm asking these items to validate or remove from my credit report, which is the law. 

Thank you
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I just reviewed my consumer report and found several late payments from XXXX XXXX XXXX, account # XXXX, Equifax have the right to provide accuracy but but have bad business practices. According to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I have never late I demand that Equifax update the account to pay on time.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with all the companies that I included on the document 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 the months that I was 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.
Consumer complaint received 2015-09-29
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PR)

I was engaged to an alleged XXXX, he established that he was going to transfer me {$100000.00} from his account in XXXX in XXXX to this email- XXXXXXXXXXXX I provided the transfer fee of {$1100.00} to a XXXX XXXX, Remittance Manager of XXXX . I used money gram to wire the money to XXXX with a reference number XXXX. I was later asked to pay {$8000.00} for a COT code. I was provided a fake internet account website to transfer the funds from said account to my personal account. 
Dear Value Customer, You can access our website ( XXXX ) Ma'am the best wayof transfering fund like this internationally is what you went for ( Internet Bank Tranfer ) and is the simplest means of transfer. You canalso log in your Online Bank Account through our Internet Banking platformit will take you directly to the site we gave you earlier to access youraccount*Our bank has a banking policy operating in Directives of job processingand customer satisfaction that we do have laws governing our Bank* Our bank is known for long standing Reputation in maintaining customerrespect and obeying Banking rules/Laws. Note this, as part of ourcontractual agreement with our partners with customers, that no amount canbe deducted from your fund, this is because the total amount has beeninsured to the real value. And this is in accordance with section XXXX ( XXXX ) ( XXXX ) of the international remittance act as adopted in XX/XX/XXXX and amended onXX/XX/XXXX by the constitutional assembly and it put in place toprotect Beneficiaries from Bank exploitation and to avoid misappropriationof funds. 
XXXX XXXX, Remittance Manager, XXXX, XXXX.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (CT)

On XXXX XXXX I noticed that two check that I wrote for my payments were altered. XXXX XXXX XXXX was altered and the pay to the order of was changed to XXXX XXXX and the amount was changed to {$2300.00}, Ck # XXXX was altered an the pay to the order of was changed to XXXX XXXX and the amount was changed to {$2400.00}. When I wrote the checks they were payable to the following : XXXX XXXX XXXX was payable to XXXX for {$150.00} and XXXX XXXX XXXX was payable to XXXX for {$47.00}. I then called my bank XXXX XXXX  and did a Forged /unauthorized check. My bank has sent multiply emails to PNC to rebate the funds back to my account. As to today XX/XX/year> no response and I didnt get my money back. It is going to be 1 year that I am dealing with this and I am not happy. I do not want to lose my money.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

Vanderbilt Mortgage and Finance reported to all major credit bureaus that my loan # XXXX was a CHARGE OFF. XX/XX/year> my account was payed in full i contacted Vanderbilt once i came aware of this issue when i lost my home XX/XX/year> because of this reporting it's been impossible for me to find stability for my son 's and I. Vanderbilt sent me out a document of correction stating they incorrectly reported and that my loan # XXXX was paid in full XXXX 2023. Not only I've taken a big loss, when Vanderbilt recieved an ACH payment of {$22000.00} from XXXXXXXX  Department of Housing and Communty Affairs my loan balance was XXXX only {$18000.00} was applied to my loan and my Escrow acct balance : {$900.00} Vanderbilt failed to submit payment to insurance and taxes when verbally confronted via phone the expressed they had decided to no longer pay for my insurance, the insurance company also told me not once but twice reached out to vanderbilt regrading payment and nothing was received so as a result when our house fire accured i had no knowledge untill i called the insurance to report the fire and thats when they told me my Home Insurance was cancelled due to non payment
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Keep getting phone calls before XXXX but no one ever answers. Called a number that was provided on a letter that was sent to me stating that a lawsuit has been filed against me and requested proof they were the original creditor but was told they would not provide anything unless I verified my name, which I did and then was told they needed my date of birth and mailing address. For all I know this is a phishing scam. Obviously they have my address if I told them I was calling about a letter I was sent from them.
Consumer complaint received 2019-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Check City Partnership, LLC (NV)

Check city took a loan out in XXXX of last year then list my job as a XXXX XXXX started subbing but kept them uniform that I would have to make small payment in XXXX they linger accept small payment sent me to collection and now they are trying to do a judgement loan was XXXX and with payment it XXXX left what can I do I feel if u are trying to pay off they should help u
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NY)

I am writing to file a formal complaint against Credence Resource Management , LLC ( CRM ) and XXXX XXXX XXXX XXXX regarding their unlawful debt collection practices and violation of my consumer rights. 
On XX/XX/year>, XXXX wrongfully forwarded my alleged debt of {$360.00} to CRM, an unbonded collection agency, to collect on their behalf. This action by XXXX was irresponsible and potentially illegal, as they should have ensured CRM was properly licensed and bonded before assigning my account. 
CRM then engaged in deceptive and unlawful practices : -Lack of Consent : I never gave direct consent for CRM to contact me regarding this alleged debt. 
-Unlicensed Collection Activities : Through my own research, I discovered that while CRM may be licensed, they are not bonded as required by New York State law for debt collectors operating in certain municipalities, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Each of these areas requires a specific type of surety bond known as a collection agency bond in a specific amount. 
Improper Credit Reporting : CRM reported the alleged debt to credit bureaus without proper validation or my agreement to its legitimacy. 

I reported CRM 's shady practices to the New York State Division of Consumer Protection. Only after being contacted by this regulatory body did CRM recall the debt to XXXX, as evidenced by the attached letter dated XX/XX/year>. This action clearly admits guilt and demonstrates an attempt to relinquish responsibility for their unlawful practices. 
I am requesting that the Consumer Financial Protection Bureau investigate both CRM and XXXX for these violations of consumer protection laws. I seek the following remedies : -Removal of all negative credit reporting related to this alleged debt. 
-Confirmation that the debt has been permanently recalled and will not be reassigned to another collection agency. 
-A formal apology from both CRM and XXXX for their mishandling of this matter. 
-Monetary damages to compensate for the negative impact this unlawful reporting has had on my credit score and my ability to obtain credit. 
-Any applicable fines or penalties to be levied against these companies for their unlawful practices.
Consumer complaint received 2024-08-30
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. (SC)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-08
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 XXXXXXXXXXXX XXXX XXXX : # XXXX, DEPT ED 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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 inaccurate.
Consumer complaint received 2019-06-18
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. (FL)

In late XX/XX/2019, I received notification from XXXX  XXXX that I had acquired a late remark on my credit report from XXXX XXXX XXXX secured visa card. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/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 in 60 days 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (AR)

I never received privacy notice before they furnish any information to my credit report. I also didnt receive opt out notice for any of the companies listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
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: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
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. (MD)

I disputed inaccurate information with Equifax in regard to this account XXXX XXXX XXXX ( Account # xxxxx XXXX ). Equifax is still reporting my information as accurate. After checking my credit report the information is still obviously inaccurate! On my Equifax report the account displays an open date of XX/XX/XXXX yet stating Date of First Deliquency was XXXX XXXX. This is clearly inaccurate that Equifax allowed to remain on my report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Ive attached my Equifax credit report from XXXX XX/XX/XXXX. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disrupted by 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Im asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX, Balance {$820.00}, Request : Delete account immediately.
Consumer complaint received 2023-08-29
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX : {$10000.00}.