davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (CA)

According to the fair credit reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 ( b ) section 604 ( A ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on credit card account under a open end consumer credit plan as of late for any reason. I Never give XXXX XXXX Equifax permission to Furnish ANYTHING on my consumeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

I closed my XXXX XXXX XXXX account and paid it off. I submitted a dispute for 2 small charges and never received a refund or resolution.

Requesting the outcome and summary on why a resolution and refund NOT provided. 

XXXX XXXX
Consumer complaint received 2024-08-23
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-04
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please update.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the accuracy of three accounts listed on my Equifax credit report by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of which are marked as " Charge Off. '' These accounts should not be on my credit report, as the information is incorrect, and I am requesting their complete removal. 

I have previously contacted Equifax and the respective creditors, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX, to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit. 

I request that the Consumer Financial Protection Bureau intervene to have these accounts completely removed from my credit report. 

Here are the details of the disputed accounts : XXXX. **Account Name : ** XXXX XXXX XXXX XXXX*Account Number : ** XXXX **Opened Date : ** XX/XX/XXXX **Balance : ** {$7400.00} XXXX. **Account Name : XXXX XXXX XXXX XXXXAccount Number : ** XXXX **Opened Date : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX **Account Number : ** XXXX **Opened Date : ** XX/XX/XXXX **Balance : ** {$7400.00} To verify the accuracy of this information, I am requesting the following documentation from each creditor : XXXX. The original signed contract or agreement for the respective account. 
XXXX. Full payment history, including dates and amounts of all payments made. 
XXXX. Documentation of the charge-off, including the date and reason for the charge-off. 
XXXX. Proof of notification that I was informed about the charge-off. 

If the creditors can not provide this documentation, I request that the CFPB instruct Equifax to remove these accounts from my credit report entirely. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-05-10
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)

The credit bureaus have been violated my rights. I didnt give them consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. This is causing my livelihood to be affected see attachments
Consumer complaint received 2024-05-10
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. (NJ)

I looked upon my credit report and discovered these accounts that need to be deleted. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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)

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 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 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 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I have opened a new business account with Chase bank on XX/XX/2023. Same day I have started using their merchant services through Chase XXXX XXXX, send payment link. I have sent payment link to 3 customers, one on XX/XX/XXXX, two on XX/XX/XXXX. 3 payments for total amount of {$1100.00} went through but were never deposited into my account. I called chase several times, and at first they were telling me that payment are in review until I received an email on XX/XX/2023 that my account has been permanently closed and they are holding funds for 120 days quote high risk of chargeback. I called them again and ask them to refund money to the customers if they are worried about chargeback and I will ask them pay another way but chase refused to process refunds. I have submitted proof of these 3 clients having their appointments done with our XXXX, their consent forms ( names matching name of payment ) but still did not receive my money back. Now chase is doing the same for my second business account that I had with them for 2 years. Last payment that was accepted on XX/XX/2023 still hasnt been deposited and when I call them, they say its in review. I have visited their location, spoken to my business manager but they say they can not do anything. I have not had one chargeback in all two years of doing business through chase, and m these clients are my regular clients who had paid before without any issues.
Consumer complaint received 2023-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (GA)

I'm writing to complain about Credit Control c/o " XXXX XXXX XXXX XXXX in which they claiming to represent them for an incorrect debt in the amount of {$700.00} on behalf of " XXXX XXXXXXXX XXXX '' I wrote and sent certified mail directly to both parties demanding validation of a contract showing that I owe this alleged debt. To no avail that has been submitted to me. I currently have an ongoing investigation with your assistance and the following reference number XXXX. Sadly, I have received another correspondence from Credit control after clearly stating in writing back on XX/XX/2023 that I do not owe the alleged amount to them, XXXX, and or XXXX XXXX XXXX. I asked them to submit in writing showing my wet signature of an agreed contract of this alleged debt, and showing that they are the authentic owner of the debt ( which I already know no such contract exist ) and I am within my rights to demand proper validation. I asked to not be contacted unless what I asked for is submitted, and yet as of XX/XX/XXXX I have another letter from Credit Control LLC telling me I have 30 days which to dispute or it'll be reported to my credit report. This is harassing and I am tired of it! I am asking for your assistance to stop all correspondence from Credit Control LLC, XXXX XXXX, and XXXX  regarding the alleged debt in the amount of {$700.00} that I do not OWE!!!!
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

XX/XX/2023 I got an alert that FairOutsourcing and Collections put a collections on my credit report for XXXX It does not state what this debt for or the original creditor. FairOugsourcing did not contact me via us mail to inform me about this debt or verify this debt. 
I would like to have this debt removed from my credit report ASAP.
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 — Account information incorrect
Company: BARCLAYS BANK DELAWARE (AZ)

I have accounts that arent properly verified. The credit reporting agencies, the three major agencies arent properly investigating the accounts. These accounts remain unverified. The agencies keep responding telling me that they have verified the accounts but refuse to provide the method of verification. 

My different accounts are affected by a breach at the CFPB and should be removed from my different credit bureaus records. 

My privacy and my credit worthiness has bee compromised and this is a direct violation of Code 1681i Promptly update my files
Consumer complaint received 2024-05-10
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)

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 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 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 2024-05-10
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-10
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. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I am filing this complaint against XXXX due to a dispute regarding their report of a late payment on my credit report. XXXX stated on my XXXX statement that my XXXX payment of {$95.00} was past due. However, I made a payment of {$180.00} on XX/XX/XXXX, as clearly indicated in my XXXX statement. This discrepancy has significant implications for my credit score and financial credibility. 


Dispute Details : XXXX Payment : The XXXX statement indicated a minimum payment due of {$95.00} by XX/XX/2023. 

XXXX 's Claim : On the XXXX statement, XXXX reported that the XXXX payment was past due. 

My Action : I made a payment of {$180.00} on XX/XX/2023, as shown in my XXXX statement which covered the {$95.00} XXXX payment. Well within 30 days. 

Attempts to Resolve : I disputed this with the credit bureaus, presenting evidence of the payment made on XX/XX/2023. 

Despite this, Experian 's dispute results indicated that the account remains reported as a late payment.
Consumer complaint received 2024-01-10
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. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX and Transunion on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XXXX days, XXXX still haven't responded to my letter. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Delete this account Because of Violation Under 15 USC 1681 ( a ) ( 1 ) ( A )
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

An old business partner stole a credit account and has been using my bank to pay it. I didn't realize it wasn't for my current business. He does not own that business ( he was removed for theft ). He does not own the accounts ( was created after he left ). The business is closed and XXXX will not close the account or give me access. I can prove I was the sole owner, but they have his social and information instead and they are drawing money for the past year when the business closed in XXXX of XXXX.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (TX)

Beware of this company - They were intending to charge 173 % interest on a title loan from XXXX. The companys response is very unprofessional and somewhat catty with their comments even adding in thier last response to me that I must have " used a languauage for the internet that assist consumers in efforts to clean their credit up ''. Took out a title loan in late XXXX for {$2500.00} with a finance charge of {$8600.00} and total of payments {$11000.00}. After falling on hard times I fell behind on the payments and car was eventually repossesed. In XXXX when I was able to get back on my feet ( and after being continuously harassed, called and hounded ) I was able to agree with a rep to settle my debts. I was told that this would be removed from my credit, even though I was signing a paper that was saying the debt would remain on my credit the rep made it sound as though it was protocol and continued to pressure me into just signing the paperwork. I agreed to pay a balance of {$1300.00} and was told that the car was sold for {$3100.00}. Totaling {$4400.00} paid to loan mart, and a wopping {$1900.00} profit made on the original title loan. I made a general complaint about the company and in retaliation they added new negative remarks to my credit report that was not previously showing dropping my score all for sharing my concern and my known truth about my experience with Loanmart. They use intimidation tactics to pressure people into paying amount owed, signing their paperwork and manipulate people who may not have the best understanding of contracts or legalities. The amount of the loan was paid off, I tried my best to settle my past debt, its not like I am asking them to remove this from my credit after not ever making a payment. The car was repo 'd, I settled the debt and plenty of time has moved past and this big company wants to hold somones credit down going on almost 7 years after they took out a title loan. With this type of practices its no wonder that there is multiple class action law suit that is building against them.
Consumer complaint received 2024-05-11
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. (LA)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.