davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, CA, XXXX XXXX ( XXXX ) XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Phone Number on Credit Report Dear EQUIFAX Customer Service, I am writing to request an update to my personal information on my credit file. I recently changed my phone number, and I would like to ensure that my new contact information is accurately reflected on my credit report. 

Below are my updated contact details : **Previous Phone Number : ** ( XXXX ) XXXX **New Phone Number : ** ( XXXX ) XXXX Please update my credit file with this new phone number and confirm when the update has been made. If any additional information or verification is needed, please do not hesitate to contact me at the new phone number listed above or via email. 

Enclosed are copies of my identification and a recent utility bill as proof of my new contact information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

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Consumer complaint received 2024-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (PA)

XXXX is taking fees from my bank account whenever it wants to, pretending to be XXXX, with out telling me or XXXX, then my bank overdrafts me and i have check bouncing fees all over from it. They have done it many times already and it keeps overdrafting my account and other companies charge me a lot too. Im not talking about a bounced payment, which they don't tell what it is or of thats even the issue. It says call XXXX. XXXX says it wasnt them. I've spoken to them at least 5 times and they assume me nothing is pending from my account and everything is paid for but then a payment comes out from an order a month ago, which is fine.. i owe it either way but then XXXX  takes their XXXX $ fee. They took it 3 times for the same one issue and people on reddit say they keep doing it to them too. Well im on XXXX and they are robbing me blind w out notice or anything. They think they have the right because XXXX contracts them as a third party. Ok, to get their money ... Not " and whatever fee they want, as many times they wish ''
Consumer complaint received 2024-04-19
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. (IL)

To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. The disputed accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX : {$25000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX BANK XXXX XXXX XXXX {$12000.00} XXXX : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX UPGRADE XXXX XXXX : {$0.00} Status : Closed Account # : XXXX UPGRADE XXXX XXXX : {$0.00} XXXX XXXX OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how XXXX of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion, I am writing to express my serious concerns and to formally dispute the inaccuracies and violations in your reporting of the account XXXX XXXXXXXX. I believe your actions are in violation of both the Fair Credit Reporting Act ( FCRA ) and the Metro II reporting standards. I request that you promptly investigate these issues and take necessary corrective actions to resolve them and comply with your legal obligations. 

The dates reported for this account, including the date opened, last active, and last reported, appear to be inconsistent and inaccurate across different credit bureaus. This seems to violate FCRA Section 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information, as well as Metro II reporting standards mandating accurate and consistent reporting of account information.

Moreover, I am concerned that this account may have been re-aged to extend its legal termination date. Re-aging accounts is prohibited under FCRA Section 623 ( a ) ( 5 ), which forbids furnishers from reporting information they know or have reasonable cause to believe is inaccurate, and is also a violation of Metro II standards requiring accurate reporting of account dates.

The presence of these apparent violations regarding this account is very troubling. I am worried they may have negatively impacted my credit profile and ability to obtain credit and other financial services. I request that you cease reporting any inaccurate or violative information related to this account to the credit bureaus and remove any associated negative items from my credit reports.

Please conduct a thorough investigation into this matter and provide me with evidence supporting your reporting, as required by FCRA Section 611 ( a ) ( 1 ) ( A ). Note that I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I hope we can resolve this matter promptly. However, if these issues are not satisfactorily addressed within 30 days, I may need to consider further action, including potentially filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

Thank you for your attention to these concerns. I look forward to your timely response and to reaching an appropriate resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2024-05-14
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
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. (PA)

Disputed an account I have no knowledge of on XXXX because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX ACCOUNT : XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Hello, Ive tried to open a checking account at three different banks and each one is has denied me. I looked on XXXX XXXX and I didnt see my information listed on there with either one of these banks. Also if I ever did have any banking issues it was more then 6 years ago. Could you please help me get this resolved?
Consumer complaint received 2024-05-14
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. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXX/XX/XXXX States I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXStates : 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX 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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX, XXXX XXXXOpened XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXXClosed on XX/XX/XXXX, BLOCKED AND DELETE THESE INQUIRIESXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX However, they stated everything was complete and accurate. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 XXXX years. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 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 2024-05-14
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. (CT)

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 US C 1681. 
I have told XXXX, Trans Union and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated that everything was complete and accurate but how is that possible is the open date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly.

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 the information is inappropriate.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (NV)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-14
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. (TX)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has been running me around in circles for XXXX  years. I have not once seen my credit score. Lenders have turned me down because they can not see it when they pull it. I've tried everything in my power to get it fixed. They will not escalate the problem because they don't see an error and it looks fine on their end. They lie and do not care about my problem or getting it through to someone who can figure it out for me. It's making me unable to apply for apartments without a cosigner, when I've never missed a credit card or loan payment in my life and otherwise have great money habits. I'm at my wit 's end. I've tried year after year to go through this and get them to help me solve my problem and I always end up going back and forth between customer service and tech service and no one will look into my issue further than whatever basic bottom line training they received. Also, I'm pretty sure I was just talking to a bot and then it lied to me when I asked.
Consumer complaint received 2024-08-01
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-14
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
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. (NY)

CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Family Support Status Collection account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Contact info Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 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 results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX