davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (MI)

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any items listed on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eaton Group Attorneys LLC (LA)

I am being charged from an account with XXXX XXXX and the amount they are asking for is violating the Texas Occupations Code that6 governs " service contracts Section 1304.159 ( c ) which states " A service contract holder whose contract is canceled by the provider in accordance with this section is entitled to a prorated refund of the purchase price of the contract reflecting the remaining term of the contract, based on mileage, time, or another reasonably applicable measure of the remaining term that must be disclosed in the contract, decreased by the amount of any claims paid under the contract. '' XXXX did not prorate XXXX as they are reporting on my credit report. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these accounts, and when I challenge these accounts, its called opening a dispute, I15 U.S. Code 1681e - Compliance procedures. If a credit reporting agency report false information after a consumer attempt to correct wrong information on your credit report, they may be in violation of the Fair Credit Reporting Act ( FCRA ). Similarly, if creditors continue to report false information, they may also be in violation of FCRA if they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove this account from my credit report. I am requesting that XXXX Account # XXXX removed from my credit report Immediately.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/XXXX  and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-05-04
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. (KS)

I checked my credit report and found that some of the data wereincorrect. The three 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service XXXX XXXX XXXX  This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

This complaint is linked to complaint # XXXX about WELLS FARGO BANK. I received a written letter from Wells Fargo regarding my original complaint number assuring me I would have the {$200.00} checking account bonus deposited into my checking account by XX/XX/18. I also spoke with the XXXX, New York bank manager. He contacted the " resolution '' team who promised that the {$200.00} bonus would be deposited into my checking account by close of business XX/XX/18. 

Apparently, the " resolution '' team does not honor its promises and WELLS FARGO does not comply with its own agreement. 

WELLS FARGO is guilty of unfair business practices that need to be stopped. They promise bonus money to get more customers to make their " numbers '' look good..but they do not honor their agreements. I just want the {$200.00} checking account bonus money I am entitled to.
Consumer complaint received 2023-12-14
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. (PA)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-14
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. (FL)

I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX  has violated my rights under the Privacy Act of 1974, specifically in contravention of XXXX XXXX XXXX and XXXX XXXX XXXX, as well as related Code of Federal Regulations ( XXXX ) sections. 

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXXXXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXXXXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX  XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXXXXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXXXXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in this matter.
Consumer complaint received 2023-12-14
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-04-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from XXXX XXXX and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with XXXX XXXX  The next unknown account is with Bank of America. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called bank of America and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

This phone number, XXXX ( XXXX ) XXXX, keeps calling to report that the XXXX Mobil App is blocked and that you have to give personal amd financial information to establish it. 
I haven't been affected because, I don't give my information through the phone. 

The bank ( Popular Bank of Puerto Rico ) in charge of this app has published that this types of calls are a fraud. That's why I want to report this number : XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-06-02
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-13
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. (SC)

Spoke to a special handling team about these accounts because they are fraud. XXXX have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because XXXX have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (PR)

This is a fraudulent account that was open. I am not responsible for this charges. I need that this collection company remove this from my credit report. I am submitting a copy of the Identity theft report that I submitted to the Federal Trade Commission.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX