davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I was never late on this account in XX/XX/2023. 

I was reported to the credit bureaus as having XXXX late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all XXXX credit bureaus as well. Look at how all the information is different. 

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my XXXX XXXX and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (TX)

XXXX mailed a phone to me that I never received. I communicated this information to them and was told I dont owe anything, the situation would b taken care of. After multiple back and fourths I was told situation resolved, it was confirmed I did not receive the phone nor do I owe a bill. 
Now Im receiving multiple calls and emails from a law firm, identifying themselves as debt collectors
Consumer complaint received 2024-08-13
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im writing to delete the following information from my file. The items deleted are listed in the report I am a victim of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray commission identity theft affidavit. Please delete this item as soon as possible.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (CA)

I paid off my auto loan with TD AutoFinance in XX/XX/2019. They did not send the title documents then. I contacted them on XX/XX/2019 to get the title documents. They told me that they would overnight the title documents to me and that I should have them by XX/XX/2019. On XX/XX/2019 I contacted them again to find out where the documents were. They told me that XXXX wouldn't deliver to my address. Note, XXXX regularly delivers packages to my address. They did not contact me and did not deliver my documents. I called again on XX/XX/2019, they still had not mailed or used XXXX to deliver my documents. They did not know how long it would take to send my documents. 

They told me that they were very busy and my information was " in line ''
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (NY)

THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a checking account with Capital One in early XXXX. I was excited to start using my checking account. Throughout the month of XXXX, I received countless emails from Capital One, offering and encouraging the use of their 'mobile deposit '' feature. I thought this was a great idea, since I do not have a branch near. I also received a email my account would be closed if I did not make a deposit soon. After using the mobile deposit check feature on XX/XX/2023, Capital One saw this as an opportunity to extend me hardship for their own gain. I received a email my account would be " restricted '' due to 'unusual '' activity on my account. There was no " unusual activity '' on my account and the action was AUTHORIZED by me, the OWNER.. I received another email that my deposit would be held until XX/XX/2023. Upon checking Capital One 's funds availability policy it states that no later than the 7th business day, I could expect the full release of my funds. Today is now XX/XX/XXXX, my deposit has cleared with no issues, and my account is still currently restricted. Capital One never called me first to verify account activity from XX/XX/2023 that they claim to be " unusual ''. They also did not do their due diligence to verify my deposit within their allotted time frame.
Consumer complaint received 2024-04-22
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. (MI)

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

Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-12
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 am a victim of the XXXX XXXX breach and have some accounts listed below that I want to be removed from my credit report immediately for fraudulent accounts Attached in this report is the proper identity theft reports with the accounts listed below for removal from 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
Consumer complaint received 2024-04-22
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)

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the aforementioned account. Furthermore, the disputed accounts were never verified. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

I am filing this complaint because I believe that Transworld System INC. has engaged in unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). After reviewing my credit report and identifying the inaccurate information I requested written verification of the debt within 30 days of receiving the initial notice, but the debt collector has failed to provide this information, continuing to pursue collection efforts without proper validation. Open date XX/XX/year> to current for XXXX for debt amount.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (GA)

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 2024-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (TX)

I have never done business with Consumer XXXX Company that has added a derogatory account on my credit report on XX/XX/year>. I have not received a call, email, or letter in the mail advising what the {$1200.00} could be for. However, I have never done any business with this company.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

Became XXXX at the beginning of the year and finally got a job to pay off cards. I have been paying my cards off every month on the payment program and I still cant use my cards. Ive spent hundreds and every month and still cant use my card
Consumer complaint received 2024-04-22
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. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX OF XXXX Account XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX BANK Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-22
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. (GA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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. (MI)

I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on Experian. But on XXXX and XXXX credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With XXXX its listed account was closed XX/XX/XXXX. XXXX date od closer is on XX/XX/XXXX. Experian on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later.

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-03
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. (CA)

I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by XXXX, Equifax and XXXX and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to Lendmark Financial be removed immediately. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX