davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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. (AL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

was going over my credit report and noticed this account : Account Name AFFIRM INC Account Number XXXX reporting an account sent to collection in the amount of {$210.00}. This account does not belong to me nor am I familiar with the company AFFIRM. I believe this account is falsely reported due to the following facts : The account shows it was opened XX/XX/XXXX for the amount of {$840.00}. However, the account is only reporting since XX/XX/XXXX an amount due of {$210.00}. The data also shows a payment of {$110.00} was made in XX/XX/XXXX, but the balance did not go down in XX/XX/XXXX. The data then again states that a payment of {$0.00} was made XX/XX/XXXX. Was a payment for {$110.00} made on this account or not? The original balance for the account is misleading. Because it clearly shows two completely different amounts in the original balance, discrepancies in the payment amount made and when, and because i know that this it is incorrectly and falsely reported to my credit because of the fact that it is not my account, this must be removed from my report immediately. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.
Consumer complaint received 2024-06-07
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 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. 

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-07
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. (CT)

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting valida

tion from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX Equifax is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Consumer complaint received 2024-06-05
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (CA)

XX/XX/year> held on to funds for an additional 3 weeks after release from merchant, changed personal information on account without my notification and consent, blocked him online access to account without reason or notification at least 2 dozen times, block transfers, blocked withdrawals, blocked payments, refused refunds, provisional credits and other forms of harrassment. Conspired with state officials to XXXX  and violate constitutional rights and federal laws to include wire transfer fraud and identity fraud illegal statement manipulation, neglent misrepresentation and false advertising. 

Money network conspire against citizen to harass and abuse victims no behalf of the California employment development department, who is committing fraud, violating citizen 14 amendment rights to due process and illegal access other bank institutions to abuse victims and ruin their lives and reputations. 

Money Network has stolen my money and refused return the funds or allow transfer
Consumer complaint received 2024-06-07
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX  XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Consumer complaint received 2023-04-10
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. (NY)

Hello, it's the 2nd time I submitted - as the original message was not properly submitted. 

Here are my details about credit reporting agencies : 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. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX 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 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX continues to violate FCRA Laws and UCC LAWS, I am currently in litigation with XXXX XXXX related to acct # XXXX XXXX XXXX XXXX I have retained attorney XXXX XXXX XXXX XXXX. 

We are proceeding with lawsuit pertaining to Full Purchase Refund : Recovery of the total purchase amount due to significant issues such as defects, non-delivery, or failure to meet contractual terms. 

Reimbursement of Out-of-Pocket Expenses : Compensation for any additional costs directly incurred as a result of the issue, including fees, costs, and other expenses. 

Damages for XXXX XXXX : Compensation for the emotional distress and mental suffering caused by this situation. 

Misrepresentation : Claims based on false or misleading information provided by the other party, which induced us to make the purchase.

Fraud : Allegations of intentional deception by the other party for financial or personal gain.

Punitive Damages : Additional compensation aimed at punishing the wrongdoer and deterring similar conduct in the future. 

Any Additional Claims Uncovered During XXXX : This includes any further claims identified during the pre-trial discovery process, where evidence is exchanged and examined. 

In the interim, XXXX XXXX has received several certified mail rescinding the contract, since XXXX, which they have chosen to ignore, the opt out request, from all reporting agencies, along with the Revocation of Power of Attorney, and have placed my account in repossession status. I did not give any consent.

I would like repossession and the all late payments removed, actually the entire XXXX account removed from my report on all three bureaus and any other consumer reporting agency. as I have returned the vehicle XX/XX/XXXX. 

This is completely unfair and ruining my chance as securing another vehicle while litigation occurs. I have never been late on any auto payment with XXXX until the vehicle shut down on me in mid traffic earlier this year. I do not deserve to be unsafe and penalized. Ive stopped payment and made it clear to XXXX, they offered a repurchase agreement and XXXX in monetary relief, ( see attachment ) which Ive declined, and decided to sue for what is lawfully due to me. Its unlawful to penalize me for a lemon, especially when Ive made several efforts through CFPB and XXXX directly through all their channels. 

Its a shame as a secured creditor I am being used and abused and mentally strained above it all. Please make this right!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-07-30
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. (GA)

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent accounts consist of a personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

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 credit and auto loans account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), personal loan XXXX XXXX  on XXXX XXXX, XXXX under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer 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 andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the validity of the alleged debt associated with account [ XXXX ] currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I Demand that all communication regarding this debt Cease immediately. 

It has come to my attention that your agency has been attempting to collect a debt from me, which I unequivocally dispute. Your continued efforts to contact me regarding this matter are in direct violation of federal law. 

Furthermore, According to 15 USC 1692g, I have the right to request validation of this debt. Therefore, I demand that you provide me with complete and accurate documentation verifying the validity of this alleged debt, including but not limited to : 1. Original creditor information. 
2. Detailed account statements. 
3. Any signed agreements or contracts.

4. Proof of the amount and nature of the debt. 
5. Verification of your authority to collect this debt. 

Failure to provide this validation within thirty ( 30 ) days from the date of this letter will be considered a violation of the FDCPA, and I will pursue all available legal remedies against your agency.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-08
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. (MD)

I just recently looked at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXXXXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b 12. [ XXXX XXXXXXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b