davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (AZ)

Dear Equifax 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 XXXX  Account Number : XXXX Delete from my credit report. 

2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Consumer complaint received 2024-07-13
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. (LA)

I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with experian, XXXX, and XXXX and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.
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. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GREENSTATE CREDIT UNION (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Iowa XXXX XXXX XXXX XX/XX/XXXX [ Green State Credit Union XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Violation and Demand for Action Dear Sir/Madam, I am writing to formally lodge a complaint regarding the continuous and unauthorized reporting of my credit information to a credit agency by Green State Credit Union XXXX which constitutes a direct violation of a cease and desist notice I previously issued. This ongoing communication is not only unwarranted but also illegal under multiple federal statutes.

# # # Violations 1. **Cease and Desist Violation : ** Despite my clear cease and desist notice, Green State Credit Union has continued to report my credit information to a credit reporting agency. This action is a form of communication that must cease immediately. Furthermore, this communication must also include the deletion of my information from my credit consumer report.

2. **Gramm-Leach-Bliley Act Violation ( 15 U.S.C. 6802 ) : ** I have opted out of information sharing pursuant to 15 U.S.C. 6802, and I have provided notice of this opt-out to Green State Credit Union . However, the bank has continued to share my nonpublic personal financial information in blatant disregard of my rights under the Gramm-Leach-Bliley Act.

3. **Fair Credit Reporting Act Violation ( 15 U.S.C . 1681b ) : ** The continued reporting of my credit information without my explicit written instruction and permission is a violation of 15 U.S.C. 1681b. I challenge Green State Credit Union and the credit reporting agency to produce any documentation proving that I have given such permission. As I have not provided such authorization, this reporting is illegal and must cease immediately.

4. **Identity Theft and Assumption Deterrence Act Violation ( 18 U.S.C . 1028A ) : ** By passing my nonpublic personal financial information without lawful authority, both Green State Credit Union and the credit reporting agency are in violation of 18 U.S.C. 1028A. This is a serious offense and will not be tolerated.

# # # Notice of Potential Litigation Should these demands not be met promptly, I will have no choice but to seek legal remedies for harassment and abuse. This will include filing a lawsuit for each violation outlined above. Be advised that this will include claims for damages due to the continued distress and impact on my financial standing caused by your illegal actions.

# # # Conclusion Please treat this matter with the utmost urgency and respond in writing within 14 days of receipt of this letter. Failure to comply with these demands will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX : ** - Federal Trade Commission **Enclosures : ** - Copy of Cease and Desist Notice - Relevant Documentation for Reference
Consumer complaint received 2024-06-10
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: TD BANK US HOLDING COMPANY (CT)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NORDSTM/TD - XXXX, NORDSTM/TD - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Bureau name : XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did a balance transfer 12 months ago, I have 5 credit card accounts with Bank of America, I have several balance transfers and I had one credit card where the rate expired next month and I dont get any paper statements. I have been with Bank of America for over 20 years. My regular payment is {$300.00} minimum and my payment changed to {$790.00}. I have XXXX kids just started a new job a month ago, and I could not afford the XXXX a month, they added approx {$500.00} to my balance for the interest fee. On XX/XX/XXXX, I called BOA and spoke with XXXX, I explained what happened, the credit cards were mixed up. Then no statements, I had planned to pay it off before the interest rate expired, I never got any warnings, no paper statements or mailing, I have zero late payments, excellent credit, excellent borrower, and I asked for an exception to waive that interest charge, told him I couldnt pay it. He declined, I asked to speak to a manager, asked to call me Monday at XXXX XXXX, he called but after XXXX XXXX  I was at work, he also declined, his name was XXXX, he didnt try or care, I called BOA back XX/XX/XXXX, at XXXX XXXX, Spoke w XXXX XXXX transferred me to a supervisor. I was driving told her not to hang up it it get quiet I was going through a XXXX, took 5 seconds of quiet and she hung up on me. I have tried everything, I need help with the waiving of the interest as an exception, no lates, 20 year customer, excellent credit, they dont care about customers, I had to get a expensive cash advance to pay them off. Please help me, they have the worst customer service and I have really been an excellent customer and nothing ever gets resolved, takes me 20-35 minutes to even talk to anyone at Bank of America and then they hang up. I also tried calling the local BOA in XXXX XXXX XX/XX/XXXX and they said I had to do it by phone since they dont have any access to the credit card. Its been a total nightmare with Bank of America!! 
Please please help me with this, I would greatly appreciate it.
Consumer complaint received 2023-09-14
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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my Equifax and XXXX credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-14
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. (FL)

I am disputing errors on my credit report and experian is failing to take action numerous times. I even called their customer service and dispute division and they are refusing to take action. My report is inaccurate and has a lot of errors.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Good day Iam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old I have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-14
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)

I WAS GOING THROUGH FINANCAIAL AID RESOURCES FOR XXXX XXXX XXXX XXXX, AND WAS ALERTED TO NUMEROUS ACCOUNTS ON MY CREDIT REPORT BY THE FUNERAL HOME, THESE ACCOUNTS LISTED DO NOT BELONG TO ME AND HAVE CAUSED A ALREADY ARDUOUS MOMENT IN MY LIFE TO BE MORE DEPRESSING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE ACCOUNTS THAT HAVE BEEN ADDED TO MY REPORT AND DO NOT BELONG TO ME
Consumer complaint received 2024-05-20
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. (IL)

Upon reevaluation, I disagree with the findings of the previous investigation. While the XXXX XXXX XXXX XXXX  account # XXXX was verified, there's no clear evidence of late payments for the specified dates. I request a statement from the creditor to confirm any late payments. If not available, I suggest updating the account immediately, as XXXX and XX/XX/year> payments were not late.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

The Debt collector is reporting on my credit report as if I have an open account with them. This account was closed and then sold which is illegal to close something and sell it but beyond that I have disputed this with XXXX and they are saying that I need to have a formal complaint here so that they can take it off my credit report. They do agree that this debt was closed long time ago and somehow it is showing as opened and resurfaced as something that is new and Reporting monthly that Im not paying on something that isnt owed anymore. This is malicious and intentionally harming my credit as an attempt to receive payments off of something that has already been closed and settled with the original Debtor.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Halsted Financial Services, LLC. (MI)

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Consumer complaint received 2024-08-29
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CO)

XX/XX/23 - submitted validation letter to IQ data international for a debt that is on my credit. After them sending me the information I investigated and found out this account is the result of fraud. I never opened an account with sure deposit and the contract they sent me is from an address I never lived at & there is no wet signature with my valid signature on that contract. I asked them to delete its been 45 days. I told them it was the result of fraud but its still on my credit report and damaging my credit. Please have them delete
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and there is an account on my credit report for XXXX XXXX for {$34000.00}. I have provided a copy of the Federal Trade Commission identity theft report, which I will attach to this complaint, and I have made every attempt to communicate with XXXX XXXX, and the credit agencies. Its also come to my attention, which neither of these two accompanies are willing to acknowledge or even discuss XXXX XXXX has a drivers license on file that starts with the XXXX, However, my drivers license starts with XXXX this is solidified proof that this is a fraud account, but they wont remove it or block it
Consumer complaint received 2024-08-14
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX
Consumer complaint received 2024-03-11
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. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.