davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XXXX Paypal/XXXX  submitted and approved an unauthorized charge to my bank account, not my Paypal account. This transaction was in no way authorized by me. The amount should have come from Paypal not our bank account. XXXX is using this means in order to collect the Paypal fees for the transaction. It appears to be fraud on a massive scale as many other users online report similar issues. I sold an item on XXXX, the buyer asked for a refund, and then never returned the product. XXXX then took the money from my bank account. So now I'm out the XXXX fees, the shipping costs, and the item. I would open a criminal inquiry if I could.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (MA)

A debt from a utility company showed up on my report. After XXXX the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX ( XXXX XXXX XXXX ). XXXX has removed the information from my report but XXXX and experian have not.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

Today XX/XX/XXXX, at XXXX pm, I issued XXXX {$1900.00} transfer to my wallet at another location. 
Then my transfer was shown to be delayed for 3 days till XX/XX/XXXX, for security concern unless I verify my identity. So I identified myself by : - entering screenshot of my driver license - and took. Selfie of my face And I was told it was a success. 
Still it would not send my transfer Then I called a coinbase agent and spoke with her for XXXX minutes and she promised me that it will send it, but it didn't happen
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Smith Law Firm, P.C. (MT)

I did not receive any notice allowing me to dispute alleged debt. Pursuant to 15 U.S. Code 1692g ( c ) - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Please find attached a debt validation letter pursuant to 15 U.S. Code 1692g.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (IL)

I've had this account for more than XXXX Since 2006 and with a payment of 211 monthly there is no reason I should still owe almost XXXX on a XXXX loan.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XX/XX/year> I got a late payment on my overdraft protection. The overdraft protection always was set up with an automated payment that would come out of my checking account. There was a mess up with the bank and something went wrong with the automation. Back then the bank apologized and said they would correct it. When I noticed it on my XXXX credit report I was very disappointed. I told them they fraudulently reported it and it was their mistake and they told me again they would take care of it. THEY DIDN'T!! 
I need your help to delete this late payment from my XXXX. I am never late in all my payments. This is a real shame
Consumer complaint received 2021-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XX/XX/2021, I filed a dispute with Equifax about the unverified account : XXXX XXXX XXXX account # XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C. (AZ)

On XX/XX/XXXX, I came home to a lawsuit for over {$2000.00} taped to my front door filed by XXXX XXXX XXXX XXXX. on behalf of an apartment complex, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Apartments, where I lived for 4 months in XX/XX/XXXX, 3 years ago. I am told I have 20 days from that date to respond. I was constructively evicted due to their unresolved problems and unsanitary conditions of infestation of mice, scorpions and roaches. 

Today, XX/XX/XXXX, in review of my credit report I received in the mail, the XXXX XXXX XXXX debt collection agency has ran my SSN without my permission gaining access to my credit report on 2 different occasions, XX/XX/XXXX & XX/XX/XXXX.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

Good morning, I, XXXX XXXX XXXX, am requesting the accounting history for the Loan No:XXXX 

Thanks - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-06-12
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 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 reporting 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year>
Consumer complaint received 2019-06-28
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I file a police report with XXXX Police Department. I also file a report with the FTC in reference to the following accounts listed in this report. I was told by Equifax Credit reporting agencies that any information contain in the identity theft report would be block per Fair Credit Reporting Act. As it pertain to theft incident, however as I review my latest report with Equifax I notice the underlying accounts was removed and is now showing again as of XX/XX/XXXX. I am disappointed in how Equifax has handled my file. I am reaching out to the CFPB in order to finally clear my name. I do not deserve to have information that does not belong to me showing on my credit file fraudulently. I have been a victim of identity theft and deserve to be treated as such!
Consumer complaint received 2024-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-04
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. (FL)

XX/XX/year> Account name : XXXX XXXX XXXX Re investigation Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report the first time I was not given details of investigation or shown any contract or disclosures with my wet ink signature 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : When a consumer reporting agency completes a reinvestigation of disputed information, it must provide the consumer with a written notice of the results of the reinvestigation. This notice must include : A statement that the reinvestigation is complete.

A consumer report that is based on the consumers file as that file is revised as a result of the reinvestigation.

A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

This section ensures that consumers are given a full description of the investigation process, including who was contacted and the methods used to verify the disputed information., several key legal provisions are relevant, including 15 U.S.C . 1681 a ( e ), 15 U.S.C. 168117, and 15 U.S.C.

1681g. 1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ).

This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report.

2. **Description of Investigation** : 15 U.S.C.

1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 3. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the three disclosure forms mandated by 15 U.S.C. 6802. Given these legal requirements, I demand the immediate removal of the account from my consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.