davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (MI)

Again, I was the victim of identity theft and this is my numerous request to Remove the information in my credit file resulted from an alleged identity Theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove Any Items. Ive already included this report in a previous letter & I am Including it again. Also, the information you provided on some item are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-03-15
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (TX)

I have been trying for months to remove a 10-year-old account from XXXX XXXX. This was for a department store credit card that was closed over 10 years ago and paid in full. I went out of the country and when I returned, XXXX XXXX was showing an amount for {$100.00}, with fees totaling {$260.00}. 

XXXX XXXX is incorrectly reporting the account and I can not reach anyone. I have spent entire days on the phone to no avail. They never conduct any investigation and XXXX and XXXX refuse to remove it. 

When I speak to someone at XXXX XXXX XXXX XXXX, they forward me to XXXX  XXXX XXXX XXXX. When I reach someone and XXXX XXXX XXXX XXXX, they forward me to Citibank NA, who they say underwrote the closed credit card account. 

Between the 3 entities, none take responsibility for timely investigating this matter and they all refuse to remove it, along with XXXX  and XXXX.
Consumer complaint received 2024-05-01
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)

Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) On XX/XX/scrub>XXXX, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

1.Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Please investigate and delete from my credit report. 
Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX )
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. 

I have sent several letters to TransUnion requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that TransUnion has not done so as I have received several stall letters and notification. that my information has been " Verified '' instead of " Updated '' as I have requested several times. I have been seeking a proper investigation and update to " PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. 

There are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX - 30 days late. 
XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. 
On XX/XX/2023, I received correspondence from TransUnion stating these accounts are reporting accurately- which they are not. 

I sent another letter XX/XX/2023 stating that TransUnion are violating a few of my consumer rights. During the time of these late payments, this was during XXXX which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. 

On XX/XX/2023, I receive correspondence from TransUnion stating that I am working with a third party, such as a credit repair company which is completely false as I am working my own credit. This is the 3rd stall tactic I have received and this has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. 

Please update the following accounts to " PAID AS AGREED '' XXXX XXXX - 30 days late XXXX XXXX - 30 days late
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (NY)

When I see the pre-approval notice for a Verizon Visa Card on Verizon website, I selected " Apply Now '' and it asks for the last 4 SSN and phone number, texts a security link, and then after clicking it, it says : " Our records indicate we have previously received your application. At this time you may not resubmit your request. ''
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc. (MA)

This debt is from a XXXX XXXX that I was involved in last year and I was XXXX in the XXXX with XXXX and XXXX XXXX and had to receive XXXX for my XXXX this debt is supposed to be paid from the insurance company I was the passenger
Consumer complaint received 2024-01-23
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 sent an administrative process to AIDVANTAGE the loan servicer for XXXX XXXX XXXX XXXX letting them know that they have unlawfully and inaccurately reported information to third party companies known as XXXX, EQUIFAX, and XXXX which have ALL hindered me from better interests rates on other products and jobs. Please see the consumer protection laws that I am including in this letter to justify my case. Also please review my documents of XXXX has agreed to remove from ALL credit reporting agencies but NAVIENT HAS NOT. THERE ARE CIVIL PENALTIES THAT I CAN APPLY FOR NON-COMPLIANCE. 15 U.S. Code 1681n - Civil liability for willful noncompliance Per the Fair Credit Reporting Act ( 15 USC 1681 ), section 602 ( a ), it underscores the imperative to ensure that consumer reporting agencies carry out their crucial responsibilities with fairness, impartiality, and a commitment to the consumer 's right to privacy. As a consumer, I affirm my entitlement to safeguard my private information, a right fortified by 15 USC 6801, which enunciates Congress 's directive that financial institutions must actively and consistently uphold customer privacy.

The term " Furnisher of information to credit agencies '' encompasses financial institutions under this title. In line with 15 USC 1681, section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report upon the written instructions of the concerned consumer. I explicitly deny consent to Equifax, Experian, and any furnisher of information to credit agencies, revoking any previous consent, whether verbal, non-verbal, written, implied, or otherwise.

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is barred from disclosing nonpublic personal information to a nonaffiliated third party without elucidating how the consumer can exercise the nondisclosure option. The furnisher of information to credit agencies failed to apprise me of my right to exercise this option.

Additionally, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including adverse information in a consumer report without authorization. The inclusion of adverse information without my permission constitutes a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that no person shall furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are falling short in adhering to reasonable procedures, as stipulated by 15 U.S. Code 1681e.

Finally, according to 12 CFR 1016.7, a consumer possesses the right to opt out of reporting services at any time. I am exercising my prerogative to opt out of your reporting services. { XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } PLEASE REMOVE XXXX and XXXX XXXX XXXX XXXX from ALL CREDIT REPORTING AGENCIES and the {$130000.00} balance as they have agreed from my credit reports immediately please. It is harmful, unlawful, and inaccurate. SEE attachment of communication.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I am attaching a copy of the previous complaint # XXXX, I responded to the creditor stating that they agreed to a repayment/recalculation of debt via XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX . Lowes/Synchrony states that I needed to make a minimum payment of over {$1000.00} when I signed up for XXXX to keep the account from going to write off status. I was never told by XXXX  or Lowes/Synchrony bank that even though we established an agreement with Synchrony to pay off the debt at a lower rate and a fixed lower monthly payment ; I was NEVER informed of {$1000.00} minimum to start. To be quiet honest, If I knew Synchrony was going to ruin my credit and report this as a write off even though a contact agreement was established, I would have never paid them another dime. What is the point of a repayment plan if they make up the rules on their end and not tell the consumer? 

I am requesting again, a copy of the agreement established between Synchrony/Lowes and XXXX XXXX XXXX XXXX XXXX ) XXXX I am also disputing this again with the credit bureaus because Synchrony likes to play games and wait to the very last minute to respond, and all they do is reply with " verified ''. This is my last attempt to obtain the copy of the contract before I proceed with legal matters.
Consumer complaint received 2024-01-23
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. (IL)

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
As a federally Protected Consumer, I hereby formally opt out of any and all authorizations. 
Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 

I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information OTHER COMPLAINTS XXXX XXXX XXXX DOCUMENTS ARE ATTACHED BELOW
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute certain accounts on my credit report that I believe are a result of fraudulent activity. I kindly request a thorough investigation into these accounts and their prompt removal from my credit report. XXXX XXXX XXXX  XXXX Attached, please find identity theft reports that clearly indicate the fraudulent nature of these accounts. I request written confirmation of the investigation results and the removal of these fraudulent accounts within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (TX)

Within the last week a collection was reported to all 3 credit bureaus from debt collection company Credit Control Corporation. The original creditor reported is XXXX communications in the amount of {$100.00}. I have not ever had an account with this company. I have disputed the collection, and both the company and collection agency are claiming the debt is accurate. I have filed a report of identity theft reference number XXXX because this account was created without my knowledge or consent. XXXX should be held responsible for creating an account with stolen information and for reporting it on my credit report. Credit control should be responsible for reporting false and inaccurate information as well.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp. (TX)

To whom it may concern, In accordance with the Fair Credit reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One mislead me and mislead me in the past see attached screen shot stating offers with no credit pull PRE QUALIFIED overtime I got baited and switched, they pull a inquiry and this is not right Capital One basically opening up small credit lines three different accounts with small XXXX dollar credit limits, I requested to take all my credit cards and give me a small line of credit on one card they pull more inquiries as I have been a long time customer with no late payments they have basically failed on there end and use many excuses to many inquirys THIS IS FALSE ADVERTIZING AND IAM DISPUTING AND ASKING ALL CREDIT PULLS TO BE REMOVED FROM INQUIRY LIST in the past I shut down a XXXX dollar credit card not knowing it damaged my credit because of there bad faith
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NV)

XXXX Notorious bad practices manipulating information trying to sell me there XXXX credit monitoring XXXX providing/stating to correct such like the tell me I have late payments et ALL A XXXX XXXX  advertising no credit check preaproval credit cards etc then the pull a credit check anyway then deny stating bad previous bank relations as there trying to monopolise the banking system
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (NV)

Chase Notorious bad practices manipulating information trying to sell me there XXXX credit monitoring XXXX providing/stating to correct such like the tell me I have late payments et ALL A XXXX XXXX  advertising no credit check preaproval credit cards etc then the pull a credit check anyway then deny stating bad previous bank relations as there trying to monopolise the banking system
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 a 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.