davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally dispute the accuracy and completeness of the payment history associated with the account : XXXX XXXX Open Date : XX/XX/2023 I believe the reported payment history is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question. 

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported payment history associated with my account.

2. The provision of complete account-level documentation that verifies the accurate payment history in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA.
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. (FL)

I received my credit report and noticed that a fraudulent account is appearing, This account is not mine. 

I command you to delete the accounts listed below : Account Name : XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (IL)

To Whom It May Concern, I am currently experiencing significant unease as I await your response within the next 30 days. I demand that you validate the accuracy of the disputed items on my credit report or remove them entirely. This is not a request but an expectation. I further require that you provide a physical copy of the steps taken to address these issues, along with my revised credit report, delivered via conventional mail. It has come to my attention that the information on my credit report may be grossly inaccurate. Therefore, I demand that you furnish precise, authenticated details for every item. Be warned : failing to do so will result in immediate legal action. 

Listed below are the Accounts that are being challenged : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately XXXX  XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/XXXX I purchased hearing aids from XXXX ( for {$2100.00} ). At that time they set me up with a payment account with Synchrony bank. They were adamant that as long as I made the minimum payment -- by automatic deduction from my bank account -- I would never be charged any interest, and all of my payment would go to principal. 
I didn't get a contract from Synchrony but I see that they were taking the prescribed {$44.00} out of my account. By XX/XX/XXXX I tried contact Synchrony to pay off the balance. I could not get hold of them and XXXX was not able to help. I tried emailing Synchrony to ask them to ask for my contract and never been able to get a reply but they kept deducting form my account. Finally, through my bank ( where the autodeduct was begining taken ) I was able to get a phone number and was told that despite paying on time and making payments that now exceed the principle, they changed and have been charging me interest. Since my agreement was with XXXX I don't have a contract. 

I do not owe any interest -- they claim I owe > {$1300.00} interest )
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I don't recall having a contractual relationship with this collection company I.C. System, Inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-27
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. (MI)

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to XXXX. It has come to my attention that 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 may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY SETTLEMENT ON CONSUMER REPORT To Whom It May Concern : This communication serves to bring to your attention that an unauthorized inquiries is improperly reflected on my consumer report. I have not granted permission for accessing my credit profile, and no legal basis exists for sharing my private information with third parties. These actions potentially amount to Aggravated Identity Theft, violating 18 U.S.C. 1028A, a felony with civil and criminal repercussions. 
Your reporting of this negative information on my XXXX consumer report on dates listed with accounts below without proper authorization constitutes a breach of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), as established in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ). 
Notably, no transaction or " account '' as defined in 15 U.S.C. 1693a ( 2 ) exists between myself and XXXX, XXXX behalf of XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX behalf XXXX XXXX XXXX Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number XXXX XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, DE XXXX Phone Number XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, DC XXXX Phone Number XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Number XXXX Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX, TX XXXX Phone Number XXXX XXXX XXXX Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number XXXX XXXX XXXX Behalf Of : XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, UT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Pursuant to 15 U.S.C. 1681n ( a ), individuals knowingly obtaining consumer information from reporting agencies under false pretenses could incur fines, imprisonment up to 2 years, or both.
Consumer complaint received 2024-05-16
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My information was affected by the XXXX data Breach. As a result I have been a victim of Identity theft. I previously disputed several fraudulent accounts along with proof of my identity report, and supporting documentation to the credit reporting agencies, requesting validation or to block and remove all of the information from my credit report. The credit bureaus failed to validate. Here are the accounts : 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have on multiple occasions disputed the collections account on my consumer report in regards to XXXX XXXX XXXX  a debt collector who bought a debt from XXXX XXXX I disputed XXXX XXXX  and received a response from XXXX XXXX stating that they could not verify the account thus XXXX XXXX was deleted from my consumer report however XXXX XXXX XXXX who is a debt collection agency purchased the unverifiable debt from XXXX XXXX and XXXX XXXX XXXX is still reporting an inaccurate account to my consumer report. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. 15 U.S. Code 1681- Congressional findings and statement of purpose goes on to state a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As stated before XXXX XXXX who was the orginal creditor has been deleted from my consumer report and they even responded to my CFPB complaint stating that the account was unverified and that they would no longer report the account to my consumer report. I have provided the letter from XXXX XXXX  Compliance Manager in the attachments below Also XXXX XXXX XXXX in an attempt to sabotage my consumer report and hinder my right to credit is reporting to the credit agencies that I have been late on payments since XXXX of 2023 payments that I do not owe them due to the fact I have no contracts with XXXX XXXX XXXX nor with XXXX XXXX who XXXX XXXX XXXX allegedly purchased the debt from. This places civil liability on XXXX XXXX XXXX due to the fact they are attempting to damage my general mode of living and my right to credit in order to purchase household goods for me and my family. 

I demand the account in regards to XXXX XXXX XXXX be removed from my consumer report.
Consumer complaint received 2024-05-16
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. (TX)

This is my first 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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/updated.

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 2024-05-16
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. (VA)

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 2024-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Subject : Cease Unauthorized Credit Reporting Reference to Federal and North Carolina FCRA Identity Theft Laws Dear CAPITAL ONE, I am writing to address a significant concern regarding the unauthorized reporting of information to my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as North Carolina laws pertaining to identity theft and fraud.

It has come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, a fundamental requirement mandated by federal law under Section 1681b ( a ) ( 2 ) of the FCRA.

Furthermore, North Carolina FCRA identity theft laws explicitly emphasize the severity of unauthorized access and misuse of personal information. Any unauthorized reporting of information to my credit report violates my rights and constitutes a serious offense under both federal and state regulations.

I want to emphasize that I have not provided consent for CAPITAL ONE to report any information to my credit report. This lack of explicit permission is a clear violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws.

I demand that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and North Carolina FCRA identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those pertaining to identity theft and fraud.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and North Carolina laws. Compliance is non-negotiable, and I expect CAPITAL ONE to promptly rectify these violations, respecting my rights under federal and state laws. 

I anticipate your immediate attention to this matter and expect prompt resolution to ensure compliance with federal and North Carolina regulations protecting consumers from unauthorized and damaging credit reporting.
Consumer complaint received 2024-05-16
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. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.