davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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. (TX)

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (TX)

The account XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/2024 to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. XXXX, XXXX, and Experian are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over XXXX days since you were informed.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 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. 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 XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX XXXX, U.S DEPARTMENT OF EDUCATION XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX, DEPT OF ED? XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXX # XXXX XXXX DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX,
Consumer complaint received 2023-05-02
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)

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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX Balance : {$2500.00}, XXXX  XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original XXXX : XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXXXXXX Balance : {$3200.00XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Us15 title 1666b According to the United States Code, Title 15, Section 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I would really appreciate it, if I could get all my so call late payments remove from all three agencies. equidax, XXXX XXXX XXXX 
I would like to thank you and advance for resolving this matter. 
XXXX XXXX. XXXX
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is my third requests, the unverified inquiries listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These inquiries must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these inquiries, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
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. (CA)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Violation of 15 U.S.C. 1681 ( i ) Request for Immediate Removal of XXXX XXXX I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( i ), regarding the handling of my credit report by TransUnion. The account in question is identified as XXXX ( Account XXXX : [ Account XXXX ] ). 

In XX/XX/XXXX, the XXXX account was removed from my TransUnion credit report. However, in XX/XX/XXXX, I discovered that this account was reinserted into my credit report. According to 15 U.S.C. 1681 ( i ) ( 5 ) ( B ), TransUnion is required to notify me within five business days if previously deleted information is reinserted into my credit file. I did not receive any such notification from TransUnion within the required timeframe, or at any time thereafter. 

Due to XXXX failure to comply with this crucial notification requirement, I am requesting the immediate removal of the XXXX account from my credit report. Additionally, I request written confirmation of the removal of this account sent to my address listed above. 

Enclosed with this letter are the following documents to support my claim : XXXX. A copy of my TransUnion credit report from XX/XX/XXXX showing the removal of the XXXX account. 
XXXX. A copy of my TransUnion credit report from XX/XX/XXXX showing the reinsertion of the XXXX account. 
XXXX. Any correspondence or lack thereof from TransUnion regarding this matter. 

Please consider this letter a formal dispute under the FCRA, and I request a prompt investigation and resolution of this issue. I expect TransUnion to act in compliance with federal law and correct this violation without delay. 

Thank you for your immediate attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

Sincerely, [ Your Full Name ] [ Signature ] [ Date ] Enclosures : 1. Copy of TransUnion credit report ( XX/XX/XXXX ) XXXX. XXXX of TransUnion credit report ( XX/XX/XXXX ) XXXX. [ Any other relevant correspondence ] -- - Ensure you fill in the appropriate details before sending the letter to TransUnion.
Consumer complaint received 2023-05-02
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. (IL)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 these 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2024-05-30
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)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist is constantly charging me a {$7.00} maintenance fee when I've met their requirements which include maintaining {$500.00} in the account. I have called them numerous times requesting a refund and they decline to do so.
Consumer complaint received 2024-08-22
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. (TX)

Re

cently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed.

2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o Experian reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o XXXX lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution. 
XXXX. Inconsistent Payment Histories : The payment history reported by XXXX, Experian, and XXXX varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account. 
If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ).

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX
Consumer complaint received 2024-08-06
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. (SC)

I explained to the company that the XXXXXXXX XXXX XXXX XXXX is not accurate. That I did not knowingly agree to this account being opened in my name. It was opened XX/XX/2024 for {$4000.00}. They have yet to remove the account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over a new Identity Theft Report XXXX XXXXXXXX. Ive already included this issue in a previous complaint & I am including it again here. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} XXXX XXXXXXXX XXXX  XXXX, AZ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$150.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I contacted the XXXXXXXX XXXX and notified them that a check cleared my account that I did not issue. My records showed the check # was issued to another vendor a year earlier and for a much lessor amount and at that time all checks issued were computer generated. We did not hand write checks. We requested and received a copy of the check that was cashed and notified XXXXXXXX XXXX  we did not issue this check and we believed we were victim to fraud. The check appeared to be doctured with white out and then hand written with a date of XXXX pay to the order of - XXXX XXXX XXXXXXXX XXXX, dollar {$14000.00} and then on the legal line XXXX XXXX XXXX XXXX XXXX XXXX then to the right the dots indicate this was once a computer issued check XXXX. The memo states its a settlement # XXXX. I have never had any dealings with this company and do not know who they are. I contacted XXXX XXXX  and they told me there was nothing they could do. I questioned why they would cash a check that obviously was altered and they stated they don't review every check. They then told me to contact the Bank of American who cleared the check their client deposited and I was told there was nothing they could do my bank would need to proceed with filing a complaint. Both banks are clearly at fault as is the person or committed fraud. Neither bank offered a solution or help in any way with this matter. We have had a good working relationship with XXXXXXXX XXXX until this time. We also were not able to retain the Bank of America Acct # for their client who deposited the check.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report. I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been writing letters to have the inaccurate information removed from my consumer report. There are incorrect addresses on my report. Places I have not ever lived. violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. My credit report contains inaccurate information that I have disputed with the credit bureaus, but they have failed to correct the errors as mandated by law. 
Please investigate this matter and take appropriate action to enforce compliance with the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX