davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/XXXX I discovered Waypoint Resource Group # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).
Consumer complaint received 2024-06-03
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 a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I have a mortgage ( loan # XXXX ) with Citibank for an investment property XXXX XXXX XXXX XXXX XXXX, IL XXXX. The mortgage payment was setup on automatic payment plan. Citibank changed their internal mortgage payment plan vendor and thus the automatic plan was cancelled. I was delayed for 2 months on my payments due to this as I didnt realize the issue. Citibank contacted me and I immediately paid the balance due in XX/XX/2018. The account is now current. However the payment delay is impacting my credit score. This should be removed from my credit score as I paid the amount as also the fact that Citibank changed their internal system and voided my automatic payment plan that was already setup.
Consumer complaint received 2024-06-04
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)

PLEASE BLOCK AND REMOVE I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-06-03
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. (TX)

I have alerted the bureau of inaccurate and fraudulent information on my report with hard proof of exactly which FCRA law they are violating but they keep ignoring my letters and correspondence.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Consumer complaint received 2024-07-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I called Money Network on XX/XX/year> at XXXX to file a dispute for an unauthorized transaction that was made on my prepaid card/account. The unauthorized transaction is in the amount of {$2700.00}. The representative I spoke to informed me that I must do one of the following within 10 business days in order to receive provisional credit. She also stated that if they do not receive this information within 10 business days, then I will NOT receive the provisional credit.

1 ) fill out and mail a dispute form 2 ) print the dispute form and fax it or 3 ) write a free form and email the dispute information I chose to email the dispute information. The representative then proceeded to tell me the information that I need to include in the email. I sent the email on XX/XX/year> at XXXX. 

To check on the status of my request, I called Money Network today, XX/XX/year>, at XXXX, and the representative told me they have NOT received my email. She then asked me if I was sent any " undelivered mail '' notifications, and I told her I did not receive any email of that nature. I then asked her if I can resend all the dispute information via fax and/or mail instead, and she said yes. To ensure they receive my dispute information within 10 business days, I will be faxing the information AND overnighting a letter. 

I do not understand why they did not receive the email that I sent 2 days ago, especially because I did not receive any " undelivered mail '' notifications.
Consumer complaint received 2024-07-07
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. (FL)

XXXX, XXXX, & Equifax are reporting 2 account listed as XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX incorrectly there is no way that either consumer agency verified this account as accurate because courts are unable to released such information about court proceedings. The account is also listed twice on my consumer report which this is a violation of my consumer reports. Equifax as since deleted the account so the how is XXXX and XXXX verifying information that Equifax is not able to verify. This information is causing me damages because its messing up my credit score by having both account calculated into my score.
Consumer complaint received 2024-06-03
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. (NY)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX  XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX. ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX. - XXXX And correct employer is : XXXX XXXX XXXX XXXX ( only ) Please delete XXXX XXXX  XXXX And DELETE all hard inquiries
Consumer complaint received 2024-06-03
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 seeing companies being reported on my credit report that I did not open. I have sent correspondences to the credit reporting agencies but have only XXXX have removed the accounts. XXXX and Equifax have not removed the accounts thus far.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One refuses to let me pay off my account as payments fail each time it tries to process. Payments were attempted in XXXX on the XXXX of 2023 and XX/XX/XXXX of 2023 in the amount of {$200.00} each. While I am patient and willing to give them the benefit of the doubt, as well as take responsibility for paying this debt off, when I tried to call in it would absolutely not let me connect to a live human being who could tell me why the payments failed on their end. They do not have an option to pay by debit card, and I do not have technical issues with paying my accounts off anywhere else. I have issued a dispute with XXXX as I feel I am not legally obligated to pay off a debt to a company that does not appear to employ any actual human beings, and is therefore unable to respond to issues reported by actual human beings. This is my last attempt to reach a solution in case the above fails, I should not have to be begging at their doorstep to pay off my account balance each month.
Consumer complaint received 2024-06-03
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. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-07-31
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. (IL)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2023-05-04
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. (NY)

XXXX XXXX XXXX 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello CFPB I applied for Bank Of America Card and Was approved. I received My card but it was Already closed already I called spoke with Supervisor name Mr XXXX and was told irrelevant and not accurate information such Credit Bureau send them information to close my account which is very strange why would they send it ... when they opened my account based on credit bureau information 10 days ago, and i was told that i have had not good relationship with bank of america or its affiliates which is also false since i have perfect credit and Flawless relationship. Please CFPB Investigate this in My Opinion VERY BIASED situation. I think It's discrimination. In Case Bank of America try to not respond to this complaint saying I need to Give My Consent, Please Know I AM GIVING MY COMPLAINT. BANK OF AMERICA NEED TO BE INVESTIGATED FOR DISCRIMINATION IN MY OPINION. I WILL ALSO FILE COMPLAINT TO MY ATTORNEY GENERAL AND ALL POSSIBLE GOVERNMENT AGENCIES.
Consumer complaint received 2023-11-03
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)

In accordance with the Fair Credit Reporting Act ( FCRA ) and ( FDCPA ), specifically section 1681. I have identified the following potential violations : 1. Violation of FCRA Section 1681 ( a ) ( 1 ) ( A ) : I have not received proper notification of the inclusion of this charge-off account on my credit report. According to this provision, consumers must be notified of any adverse information in their credit reports. 
2. Violation of FCRA Section 1681 ( a ) ( 2 ) ( A ) : I have not received a copy of my free annual credit report once every 12 months, as required by the FCRA.

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

4. Violation of FCRA 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5. Violation of FDCPA Section 809 ( b ) : I have not received written validation of the debt within five business days of your initial contact, as required by the FDCPA.

6. Violation of FDCPA Section 809 ( b ) : A detailed statement of the debt, including the name of the original creditor and the amount owed, has not been provided, as required by the FDCPA.

Please investigate these potential violations and provide a written response within 30 days, in accordance with the FCRA. 

In accordance with de Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my credit reports by all three major credit bureaus : XXXX, XXXX, and Equifax. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : 1. **Competent Evidence** : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company.

2. **Validation of Debt** : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history.

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status across all three bureaus.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (KY)

On XX/XX/year> mailed Equifax a dispute letter, Equifax states dispute letter was not received? Letter was never returned! On XX/XX/year> mailed another dispute letter to Equifax, Equifax states letter was never received and letter was never returned, again!