davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Inquiries : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX Inquiries : XXXX XXXX XXXXs, Inquiries : XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States 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 instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2024-01-27
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these accounts ( A ). It is not permissible to fail to block these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir/Madam, I am writing to request an update to my credit report regarding two accounts that have been paid in full. According to the creditor 's policy and in accordance with 26 CFR 1.6050P-1, these accounts should reflect a balance of {$0.00}. 

Below are the details of the accounts in question : Account Holder : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Original Amount : {$46000.00} Account Number : [ Your Account Number ] Date Paid in Full : [ Date of Payment ] Account Holder : [ Your Name ] Creditor : XXXX XXXXXXXX Bank Original Amount : {$1000.00} Attached to this letter is a copy of the filed 1099-C, which confirms that these accounts have been paid in full. 

I kindly request that you update my credit report accordingly to reflect the accurate status of these accounts as paid in full with a balance of {$0.00}. Your prompt attention to this matter is greatly appreciated. 


Thank you for your cooperation and prompt action regarding this matter. 

Sincerely, XXXX
Consumer complaint received 2024-05-03
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( charge off ) XXXX XXXX XXXX XXXX XXXX ( charge off ) -- {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-23
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. (OR)

I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to XXXX Mortgage. XXXX sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXX Mortgage and XXXX the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX  back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. HPT is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WA)

During a review of my credit report a few months ago, I found mistakes related to the CB/EXPRESS account ( XXXX ). This violates my rights. I have challenged these errors with the XXXX credit bureaus and the creditor, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (MA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently ensured that payments on this account are made on time, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-05-03
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)

After reviewing my credit report, I have found a number of inaccurate information listed such as names, addresses, closed accounts & debt. 

It is my right under the Fair Credit Reporting Act to ask for the name & address of the business that claims the debt. 

My request is for they either to verify the information or to remove the debt from my credit report. Equifax, XXXX, XXXX and XXXX XXXX  are not maintaining reasonable procedures. 

I request that you comply with the law and give me the verification in writing within XXXX working days of receiving this letter. It is important that I correct my credit report as soon as possible. 

I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease & desist all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in WRITING via mail pursuant 15 USC 1692c. ( c ). 

I, the affiant and consumer, in writing with adequate information on all forms of remittance " accepted '' and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. If you are not familiar with remittance transfers, please see XXXX XXXX XXXX C.F.R Subpart B " Requirements Remittance Transfers '' for your reference. 

I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding. 

The Fair Credit Reporting Act XXXX Common Violations which include inaccurate violations, incorrect addresses, unauthorized accuses and right authorization are all violations. 

15 usc 6802-6805 Disclosing my information XXXX. COLLECTION AND ENFORCEMENT BY SECURED PARTY XXXX XXXX. XXXX ) If a debt collector does violate the FDCPA they can be liable for up to {$1000.00} in damages plus any attorney 's fees. Meaning you all have been calling me about debts that have been CLOSED and PAYED off with GAP insurance and insurance. You can NOT collect on a debt after its been closed or payed off. You have violated my rights. 

Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-27
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. (GA)

I am writing to formally file a complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite persistent efforts to rectify these matters, they persist on my credit report, adversely affecting my creditworthiness and financial standing. 

Despite my persistent and genuine efforts to rectify these issues in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the late open account and charge-off continue to tarnish my credit report. 

I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into both the late open account and charge-off, including thorough validation of their accuracy with the creditors. 

If the items are found to be inaccurate, their immediate correction or removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issues have been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify these situations promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/year> - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it 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.
Consumer complaint received 2024-01-27
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)

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.

has violated my rights. Or 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 2023-05-03
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: TRUIST FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX & Account Number XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-12-26
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-27
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Charge-off {$270.00}