davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (GA)

Despite my earlier correspondence, these inaccuracies have not been resolved, causing ongoing and significant distress. The presence of these incorrect late open accounts and the charge-off on my credit report is severely impacting my financial standing. It is crucial that immediate action is taken to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve these issues is unacceptable and constitutes a violation of my rights under the FCRA. I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and correct the late open accounts and remove the charge-off from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX  : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2024-05-16
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. (MD)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries.

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 2024-05-15
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. (FL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX  {$3600.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX - XXXX {$7300.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$1100.00} XXXX - XXXX {$9200.00} XXXX - XXXX {$850.00} XXXX - XXXX {$850.00} XXXX - XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX - XXXX XXXX XXXX - XXXX {$29000.00} XXXX XXXX XXXX {$40.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested My account to be closed and my customer relationship ended with capital one and they said closure check would be sent to me and my account was officially closed on the XXXX XX/XX/2024 And my closure check was issued on the XXXX of XX/XX/2024 but was never received even after 15 days. I called again on XX/XX/2024 and I was told since I never received a check case would be created to stop payment on that check and a new one will be reissued I also changed my mailing address in file to my po box of my new state of residency. I made a call on the XXXX and I was told that case has been acted upon and a new check will be issued I should check back in a few days time which I did i called capital one again on the XXXX and I was even given a timeline of when my check would be received which would be on the XXXX of XX/XX/2024. I made a call today which was on the XXXX of XX/XX/2024, that my check hasnt arrived in my box and the customer representative told me the case wasnt acted upon and no check was reissued. She would be submitting a new case today after two weeks. I can clearly see the banking institution called Capital One doesnt want to send out my closure check.
Consumer complaint received 2024-05-15
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. (MA)

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, Equifax and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX, Date of Account XX/XX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my line of credit in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Consumer complaint received 2024-05-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX XXXX The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, XXXX, and XXXX 

Additionally, I recently discovered that XXXX payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXX withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the XXXX  on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from XXXX XXXX XXXX XXXX regarding the XXXX  or the unauthorized payments. Furthermore, I have faced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.
Consumer complaint received 2024-05-15
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. (MD)

XXXX XXXX XXXX, transaction history reported on my credit report for XXXX and XX/XX/XXXX. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : Equifax, XXXX, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.
Consumer complaint received 2022-12-03
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'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 2024-05-15
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. (CA)

I pulled a copy of my credit report and noticed Fraudulent information that needs to be delete immediately. Also, personal information that needs to be updated. 
Pursuant to 15 USC 1681c-2 and 15 USC 1681s-2 these items need to be immediately DELETE AND UPDATED. Please see the ATTCH FTC Complaint XXXX. Thank you. 
These ITEMS NEED TO BE DELETED AND UPDATED WITHIN 4 BUSINESS DAYS OF RECIEPT OF THIS LETTER PURSUANT TO 15usc 1681C-2
Consumer complaint received 2024-05-15
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. (MO)

All of my XXXX student loan accounts on my credit report are showing 90 days late in XX/XX/2020. They are not showing 60 days late in XXXX or 30 days late in XXXX. I did not have a payment due at that time to the best of my knowledge. I contact them and they simply added a comment to the credit report saying the " dispute is settled-customer disagrees ''. I don't believe they actually looked into it and refused to update my credit report.
Consumer complaint received 2024-05-15
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-15
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. (NY)

The credit agency has listed inaccurate information on my credit report because the creditor has provided inaccurate information or no information about payment details. Some payment information is missing altogether. The account is supposed to be listed as in dispute and it is missing. 

The historical payment section is inaccurate. Account was listed as on time in XXXX XXXX and then 60 days late the next month XXXX XXXX. On time XXXX XXXX and then 60 days late XX/XX/XXXX. On time XXXX & XX/XX/XXXX. Then again late 60 days XX/XX/XXXX.
Consumer complaint received 2024-05-15
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. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-05-15
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. (CT)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
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)

Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Block : Except as otherwise provided in this section, 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 than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer the information was not submitted in error the information is not submitted on the basis of a material misrepresentation of fact by myself relevant to the request to block I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions.