davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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. (SC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-20
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. (CA)

This is my OTHEr request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Balance : {$360.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$320.00} ; XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$3100.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2023-09-20
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. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MA)

Dear SYNCB/LOWES ; I'm really surprised, shocked and dismayed that this account is still reporting {$1600.00} balance as of today. I was on the phone with your staff few weeks ago and i paid this in lieu that this account will be removed off my credit report or updated as paid as agreed never late. As of now, it continues to report inaccurate, invalid, and inconsistent payment history, all invalid dates, questionable balances, and erroneous status. It's illegal the way this account is reporting and therefore, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including XXXX.
Consumer complaint received 2023-11-07
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. (TX)

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through XXXX Certified Mail, Tracking # XXXX and XXXX. 

The same information submitted by certified mail was also uploaded online through Experian Dispute portal. I have spoken to several Experian Membership Team members as well. I spoke to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX this morning ( XX/XX/ ), when I ask for Supervisor they decline to transfer the calls and hang up. 

Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian Membership Team nor the Fraud Department has done any corrections to my credit report. Unfortunately, as a result of this inaccurate information reporting by Experian, other credit agencies such as XXXX and XXXX is also reporting this fraudulent inaccurate information. XXXX and XXXX has confirmed that they are reporting as for the information provided by Experian. 

I was in the middle of refinancing my house, due to Experian reporting inaccurate information which is a result of identity theft I was denied the mortgage. 

I also attaching the documentation to this report. 

1. FTC Identity Theft Report 2. FTC Identity Theft Letter 3. Police Report 4. Copy of Drivers License 5. Other requested personal information
Consumer complaint received 2023-08-29
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2023-09-20
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. (WA)

I called equifax a month ago and made sure I was speaking respectively with a low tone. I expressed my concerns of unauthorized inquiries & errors that where fraudulent on my credit report and asked if they could be removed and was told they couldn't do it so I let him know about the Fair Debt Collection Practices Act Law 111-203, X 124 state 1092 ( XXXX  ) Fair credit reporting Act ( FCRA ) 15 u.s.c. 1681 ( FCRA ) and asked to speak to the supervisor and repeated it after he told me he couldn't do nothing then he told me I don't care what law u say it's not going to make me do anything, I said this is the fraud department right, then I said your committing fraud and asked his name and hung up. I lost the paper I wrote his name on. I sent the second letters to all three bureaus recently and I don't see any changes at all. Please help me
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in XX/XX/year>, XX/XX/year> 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.

This company 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The dates they have items reported as charged-off doesnt match my records. I have also been receiving calls and emails regarding these account after the accounts have been charged off according to my credit report. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible. They simply responded and said the information was accurate and didn't provide any proof.
Consumer complaint received 2023-08-29
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. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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)

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Re : Urgent Request for Temporary Credit - Claim Number XXXX From : XXXX XXXX - XXXX To : Consumer Financial Protection Bureau ( CFPB ) - XXXX Cc : XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX Claims Act - XXXX, XXXX, XXXX XXXX - XXXX Date : Sat, XX/XX/2023, XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ) and Bank of America XXXX XXXX XXXX, I hope this communication reaches you in good spirits. I am reaching out regarding claim number XXXX, a transaction dispute that I filed a week ago. 

Having been a dedicated client of Bank of America, contributing significantly to the bank 's cash flow with more than {$10000.00} monthly, I find it prudent to assert my entitlement to swift and equitable service, especially during challenging times like these. Given the considerable financial rapport I hold with the bank, it would be fitting to regard me as a top client and grant me a temporary credit for the disputed transaction. 

Furthermore, I believe it is essential to note that all clients, irrespective of their financial standing, should be accorded a temporary credit immediately after successfully filing a transaction dispute. This practice will not only fortify trust between the bank and its clientele but also ensure that clients can manage their finances without unnecessary strain during the investigation period. 

This interim credit represents not just an assurance of my fiscal steadiness but is also emblematic of Bank of America 's longstanding dedication to client contentment. While I trust your team 's proficiency in efficiently settling such matters, this temporary credit would immensely assist in stabilizing my financial stance during the investigation. 

I would be grateful for your expedient attention and an update on when the temporary credit would be reflected in my account. 

Eagerly awaiting a prompt resolution. 

Warm regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

" FCO Collections '' has not provided any proof and continues to avoid providing proof that investigations to my disputes/complaints placed with the consumer reporting agencies ( XXXX, XXXX, and XXXX ) and the CFPB were indeed performed, and that the documentation labeled as accurate was sent to ME. They are illegally presenting information on my consumer report and damaging my identity. They have not met any of the timelines for response, therefore have not adhered to the FDCPA or FCRA laws. FDCPA Regulation F 12 CFR 1006.30 Other Prohibited Practices ( a ) Required actions prior to furnishing information. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 USC 1681 a ( f ) ), information about a debt before the debt collector : ( i ) speaks to the consumer about the debt in person or by telephone ; or ( ii ) places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability... I have attempted to get this issue with " FCO '' resolved several times. I attached my initial dispute letters to the agencies, my direct dispute letter to " FCO, '' and copies of my consumer reports after the disputes were said to have been updated by the agencies due to information provided by " FCO '' and have never received any info directly from " FCO ''. I've also attached proof that these disputes were mailed into the consumer reporting agencies via XXXX Certified Mail receipts. On XX/XX/, XXXXXXXX XXXX, I received a call from a XXXX XXXX, on behalf of FCO, phone # XXXX, I realized FCO was purposely avoiding my requests for this documentation. She wouldn't give direct answers when asked why I hadn't received them. She bullied me. She kept talking over me and would not stop talking. I never received the info but got a letter for 70 % off debt.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian has been reporting inaccurate info from XXXX debt collection companies without my consent and knowledge. I have no contract with these XXXX debt collection agencies and my consumer rights are being violated due to noncompliance by Experian. Attached to this complaint will be XXXX dispute letters and a screenshot of the XXXX companies I speak of.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The date they have this item reported as charged-off doesnt match my records. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible. They simply responded and said the information was accurate and didn't provide any proof.
Consumer complaint received 2024-06-07
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. (GA)

I have disputed the account XXXX XXXX on all three credit reporting agencies for it to be removed. This account belongs to my childs father whom I have no dealings with. I have asked for it to be removed previous times and even sent documentation in to show his name is on the lease for this vehicle. The bureaus have CLOSED the account ( which it has been paid with a settlement offer ) instead of removing the account off my reports.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.