davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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: TD BANK US HOLDING COMPANY (CA)

TD BANK USA/TARGETCRED XXXX this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-20
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. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
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. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX Has violated continuously the 1970 FCRA. This is the law that has been violated : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX need to comply with the law Account : XXXX XXXX XXXX Account Number:XXXX XXXX Is this Law it's very clear and until such law changes it is expected to be followed!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the XXXX XXXX XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX states, have rights to privacy. 
15 U.S.C 1681 Section XXXX Section XXXX, It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c ( a ) ( XXXX ) 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 XXXX crimes which antedates the report by more than XXXX years, 15 U.S.C 1681s XXXX ( A ) ( 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 2024-06-07
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. (OH)

In accordance with the Fair Act Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A states, have rights to privacy.

15 U.S.C 1681 Section 604A 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 pf crimes which antedates the report by more than seven years, 15 U.S.C 1681s 2 ( A ) ( 2 ) 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Filed lawsuit against them for their failure to comply with FCRA requirements especially refusing to comply with FCRA 605B which proper documentation was provided to them by my attorney. 

Failure to comply with FCRA requirements has resulted in the loss of XXXX XXXX and loss of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX have also contributed to the lack of XXXX not being made eligible for any credit products being that they were more concerned about their financial relationship with the bank ( trade lines ) than their compliance with the federal law. 

Refusing to suppress the XXXX XXXX XXXX XXXX XXXX and Refusing to Remove the XXXX plus fraudulent inquiries reported by their credit agency.
Consumer complaint received 2024-06-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-01-23
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: TD BANK US HOLDING COMPANY (VT)

TD bank provided incomplete and improper information in their android application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their android application, which is the primary way I interacted with TD Bank ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( $ XXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with TD Bank.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XX/XX/XXXX **Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX **Subject : Dispute of Collection Account - Metro 2 Compliance** Dear Equifax Dispute Department, I am writing to formally dispute the collection account XXXX XXXX XXXX account # [ XXXX XXXX listed on my Equifax credit report. This account is reported inaccurately and does not comply with Metro 2 standards.

According to the Metro 2 format, data furnishers must ensure the accuracy, completeness, and integrity of the information reported. I believe the collection account in question violates these standards. Specifically : 1. **Inaccurate Information : ** The account status, balance, or dates reported are incorrect.

2. **Incomplete Reporting : ** The account does not reflect accurate information about my payment history.

3. **Misleading Information : ** The account includes information that is misleading and damaging to my credit profile. 
I respectfully request a thorough investigation and prompt correction of this information. In the spirit of ensuring complete transparency and accuracy, please provide : - Documentation verifying the accuracy of the information being reported. 
- Verification that the data complies with Metro 2 reporting guidelines. 
- A detailed explanation of the steps taken to investigate this dispute. 

In support of my dispute, I would like to draw your attention to several court cases where Equifax was found to have reported inaccurate or incomplete information, emphasizing the importance of adherence to accurate reporting standards : 1. XXXX  XXXX XXXX, XXXX , Equifax , et al. ( XXXX ) : ** In this case, the court ruled in favor of the plaintiff due to incorrect and misleading information reported by Equifax, highlighting the significance of accuracy in credit reporting. 

2. **Soutter v. Equifax Information Services LLC ( XXXX  ) : ** This case resulted in a settlement where Equifax was found liable for not maintaining accurate credit information, which further stresses the necessity for strict compliance with reporting standards. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax ( XXXX  ) : ** Although primarily against XXXX , Equifax was also implicated for failing to ensure accurate and clear reporting, leading to legal repercussions. 

Given these precedents, it is clear that inaccurate reporting can lead to significant legal consequences. I urge Equifax to address this dispute promptly and rectify the inaccuracies in my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Please provide written confirmation that this account has been corrected or deleted from my credit report within the 30-day investigation period as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I applied and was approved for an American Express Marriott Bonvoy Bevy card ending in XXXX with my Marriott Bonvoy number XXXX and I paid a {$250.00} annual fee. I also charged a large XXXX purchase on the card and was supposed to receive XXXX Bonvoy points in my XXXX account. I have yet to have my card linked correctly or points credited. I have called multiple times and every time I am told they have escalated the issue to get my card linked correctly like my already linked Marriott Bonvoy business credit card. They always tell me a supervisor is reviewing it and they never call me back or fix the problem. The agent last week said a supervisor attempted to call me 3 times ( we eventually spoke ) and still the issue is not fixed. I have spent countless hours on the phone and chat trying to get the account correctly linked and I shouldnt have to do what American Express gets paid to do. They promote these products and charge annual fees but do not provide the service that was paid for. Their customer service leaves something to be desired.
Consumer complaint received 2024-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX Capital One XXXX CAPITAL ONE XXXX, XXXX ( XXXX ) XXXX Account number XXXX. 
Amount {$680.00}. Dear Sir/Madam, I am writing to dispute the presence of charge offs on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, I have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. 

The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated. 

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy. 

Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute. Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes. 

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. 

In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc. (GA)

I have been unable to use my Cash App Debit Card to pay my website fees for the last 5 months or so. It suddenly completely stopped allowing me to pay for anything associated with my company web hosting, email and domain names all hosted on XXXX XXXX. 

I get an error message every time I try to add the card to my XXXX XXXX account. I have called XXXX XXXX, they say its the banks issue. They advised me to contact Cash App. 

I contacted Cash App, they keep implying I am doing something to cause this error like entering the card info wrong but, I'm sure I know how to pay for items online. 

They have not fixed the problem for XXXX  months now and my company funds are auto deposited into that account so my website keeps going down due to non payment because they wont fix the error. Its causing me loss of business due to my website suspension now more than once! I'd like this issue fixed. I have been able to use this card to pay XXXX XXXX since i got it up until XXXX months ago.
Consumer complaint received 2024-06-07
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 am writing to file a formal complaint against all 3 credit reporting agencies regarding their credit reporting practices, as regulated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c.

The basis of my complaint involves the following issues : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

Pertaining to 15 us Code 1681c : Except as authorized under subsection ( b ), 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.

Adverse item of information meaning- include records containing derogatory information, such as payment delinquencies or defaults etc No adverse items besides the conviction of crimes should be on my all 3 of my credit reports XXXX XXXX XXXX XXXX XXXX EXQUIFAX. All derogatory marks must be removed from all 3 of my credit reports, all and any delinquencies must be removed from my credit reports all and any defaults must be removed from my credit reports. All and any late payment reporting must be removed from my credit reports. All and any utilization percentage usage also must not be on my 3 credit reports. 
After looking over my credit report all these companies have reported adverse information and XXXX, XXXX XXXX, EXQUIFAX have furnished the adverse information on my report without my permission and against federal law Companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZuntaFi Corp (PA)

Please heed this notice very carefully. I believe this is about the 4th time I have sent you notices disputing the bogus liens on my credit report plus other derogatory information. You are not using reasonable procedures to assure maximum possible accuracy of the information on my report. Your company policy and procedures are violating the Fair Credit Reporting Act ( 15 U.S.C.A. section 1681 et. seq. ). I am questioning your methods of obtaining information. You have to do more than just phone the county recorders office and get their okay, or however you verify information because you REFUSE to provide me any proper verification. Court cases I have on record back me up on this point. The word verify means : To confirm or substantiate by oath or affidavit. Particularly used of making formal oath to accounts, petitions, pleadings, and other papers. The word verified, when used in a statute, ordinarily imports a verity attested by the sanctity of an oath. It is frequently used interchangeably with sworn.