davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-30
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to DELETE & REMOVE these Fraudulent Accounts IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX [ TRANSUNION ACCOUNT ] In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. 

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2023-12-06
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. (NV)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( XXXX ) 60 days from XX/XX/. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, XXXX and Equifax in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( XXXX ) on my consumer report of file, thus violating XXXX XXXX. XXXX b ( a ) ( XXXX ). It is clear that XXXX, Equifax and XXXX have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2024-07-14
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. (PA)

I reviewed my Consumer Reports and noticed that I had two late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the accounts ( XXXX ) : ( XXXX ) and ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2024-05-30
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MA)

I have been a victim of a scam by a dental practice. ( XXXX XXXX  ) Located in XXXX Florida They deceived me into paying for services that were never provided and presented plans that are not even offered by XXXX XXXX. I took action by filing disputes with my bank twice, providing substantial evidence to support my claim of not receiving the promised services. I have provided text messages of plans offered and not rendered. It is deeply unfair that the bank has not supported me in this matter, considering I was not provided the services I paid for. Despite reaching out to them numerous times, I have been continuously redirected from one department to another, without any resolution or answer. I strongly believe that the bank should prioritize its customers. The appropriate method for conducting a XXXX consultation is through an in-person visit rather than over the phone, where pictures are provided to a coordinator. It's important to note that a coordinator is not a doctor, and their expertise may not be sufficient for an accurate assessment.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On my TransUnion report I disputed a account called XXXX XXXX XXXX i dont have knowledge of this account. TransUnion verification status was updated and said it meets fca requirements. This is wrong it should be deleted.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX I have a Bank of America account since XXXX. On XX/XX/XXXX I initiated a debit card claim with BOA. I had to dispute a transaction on my account. The dispute was cleared and my monies were refunded. On XX/XX/XXXX, Bank of America froze my account for no reason. I was not sent a letter I received no call I want aware. I was told to come inside the bank and speak to an advisor. On XX/XX/XXXX, I went to Bank of America in person and I was told to call the number XXXX. I called the number and was told that my account was frozen for no reason given. The advisor was not even able to give me a reason. I can not access my funds. My rent is late, my car note was rejected by the bank and they will not release my funds. They said they can not tell me why me account is frozen, theres no notes. I can not understand how my account can be frozen and no one is able to tell me why and how long. The agent told me Im order to find out when the freeze would be released I would have to call them every day for a status. What???? This should be illegal to withhold money from their own account. What am I to do?? I am asking someone to help me to get my account unfrozen for unknown reasons. How can Bank of America get away with this??? They are not sure why it was frozen and when it will be released, this is illegal to do I thought. I just am now seeing that in XXXX Bank of America was fined for fake fraud alerts on peoples bank accounts. I feel this is my situation because when I called the bank on XX/XX/XXXX none of the bank agents could tell me why I was frozen. They said my account never should have been frozen and this was from their own Fraud Department!
Consumer complaint received 2024-05-30
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)

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 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 remove these files. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/year>2023 DFS XXXX XX/XX/year>2023 XXXX XXXX2023
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I received a loan from XXXX. They changed companies that serviced them. They went from XXXX XXXXXXXX XXXX to XXXX. Instead of showing transferred or closed from XXXX XXXX XXXX it still shows as active. I paid off my loan in XXXX of XXXX and XXXX reported it correctly as closed. But the XXXX XXXX XXXX still shows as active on Experian. I called XXXX and they stated they couldnt help me because XXXX services the loan and I called XXXX to help and they stated that they couldnt help me because they reported correctly and its XXXX XXXXXXXX XXXX issue and that I needed to call XXXX. I then took the initiative to reach out to XXXX XXXXXXXX XXXX the last week of XXXX and they were to call me back within 48 hours and never received a call back.
Consumer complaint received 2024-05-30
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. (CO)

Equifax once again lied and has lied over and over. I have requested you government to abolish all 3 credit comoanies since all are not reliable and have collected unequal and inaccurate information. Some are ruined and were not able to buy a house or car or whatseoever. It is all because of reporting abuses. In this case, you will see both letters are from Equifax. On same date. But both have different scores. That is why I suggest you to abolish those companies for they have done nothing but misled many companies and businesses that deal with customers who worked hard to reach something greater. The score faked by the Equifax company, see for yourself here in the pictures.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (CA)

I am writing to formally lodge a complaint against Phoenix financial services regarding multiple violations of consumer protection laws in their handling of a medical debt. The specific violations are as follows : Violation of Validation Law : Despite numerous requests, Phoenix financial services has failed to provide sufficient validation or verification of the alleged medical debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). They have neither provided documentation proving the debt is valid nor explained the basis of their claim.

Denial of Dispute Rights : I have not been afforded the opportunity to dispute the debt with Phoenix financial services as required by law. The FDCPA grants consumers the right to dispute the validity of a debt within 30 days of receiving notice, yet I have received no such notice or response to my requests for verification. 

Violation of Consumer Rights : Phoenix financial services has violated my rights under the FDCPA by failing to communicate effectively, ignoring my requests for information, and continuing to pursue collection efforts without proper validation or authorization. 

Misrepresentation : The agency has misrepresented the status and validity of the debt in question, which is a direct violation of the FDCPA. They have failed to provide clear and accurate information regarding the debt 's origin, amount, and validity despite repeated requests. 

Unlicensed Status : According to the XXXX website, Phoenix financial services is not licensed to operate as a debt collector in our state. This lack of licensure raises serious concerns about their legal authority to collect debts and their compliance with state regulations. 

Unauthorized Reporting to Credit Agencies : Phoenix financial services has reported the alleged debt to consumer reporting agencies without proper authorization or validation. This action has unfairly impacted my credit standing and violated my rights under the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action against Phoenix financial services. These actions have caused undue stress, financial harm, and have infringed upon my rights as a consumer. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am asking for your assistance concerning this incorrect account appearing on my credit report. This has negatively impacted my reputation, and I require your support to resolve it. The improper handling of my credit report has caused me considerable distress, and your inaccurate reporting has damaged my standing. These inaccuracies must be corrected for the sake of my familys well-being.
Consumer complaint received 2024-05-30
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)

It appears that my credit information with you has been compromised. Despite submitting an FTC report # XXXX, it has come to my attention that these items are not being removed. This is my sixth attempt to notify you about the incorrect credit reporting, and I am writing to dispute these items in my file. I have attached my new FTC report with reference number : XXXX. The items I am disputing are not related to any transactions in which I obtained goods, services, or money, nor were they authorized by me. Please remove the reporting of any items in my credit file that resulted from incorrect credit reporting : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and, I have doubts about their accuracy, and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-07-04
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. (TX)

Right now, I am sending my CFPB complaint to notify you that I am not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. These items has several errors. Under the Fair Credit Reporting Act, Im going to request proof of written removal. You are reporting false information and I believe the company is violating Sections 605b of the FCRA. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-07-14
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. (OH)

I recently reviewed my credit report and noticed I had a fraudulent account on my report. Please remove this fraudulent account from my report because it is hindering me from obtaining credit. I don't recognize this account. 

Transunion XXXX XXXX XXXX XXXX XX/XX/year> {$420.00}
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX