davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

I open an emergency cc card with price line to travel to California for my XXXX 's funeral. 
|Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX the amount was XXXX and I received a credit of XXXX dollars bringing the total owe to XXXX dollars. I started making payments until XX/XX/XXXX were the final amount. on Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX was paid in full. Previous Balance as of XX/XX/XXXX {$100.00}, Payments - Thank You - {$100.00} ( was received, acknowledged and paid in full ) Then additional charges were added by XXXX car rental, of XXXX : I called and spoke with customer service and reported these charges, they open a fraud investigation and advise me these charges would be removed as unauthorize charges. I am now getting phone calls to my personal cell phone and work phone saying that I owe the XXXX, late fees and interest.
Consumer complaint received 2024-05-23
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. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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. (OR)

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Deletion of Unverified Items from Credit Report Dear TransUnion, I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous multiple written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after my multiple written requests is also evidence of your willful disregard of Federal Law. This will be my last and final warning. TransUnion has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the XXXX XXXX XXXX  XXXX ( XXXX ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, TransUnion allows collection purposes only under specific conditions : Court Order : You must have a court order authorizing a consumer reporting agency to provide a consumer report. Consumer Authorization : Alternatively, you need written authorization from the debtor to obtain a consumer report. Credit Transaction : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. Given that TransUnion has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : Account Name : DEPT OF JUSTICE Child Support Account Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with TransUnion. If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies with the XXXX XXXX XXXX to enforce my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-05-24
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts. 

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.
Consumer complaint received 2024-05-23
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 am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-05-21
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (PR)

On  XXXX   XXXX  I began a payment plan for my   XXXX   XXXX  /Navient student loan. After few months of paying, I got laid and become unemployed for several months, until  XXXX   XXXX  through  XXXX   XXXX .     I paid as I could.     On  XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on  XXXX   XXXX  but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,  XXXX   XXXX  -   XXXX   XXXX   called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The arti cle 805. Com munication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section  16  92b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not co mmunicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2024-05-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-23
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-24
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)

According to the IRS, an unpaid charge off is income, which is not permitted to be recorded on a credit report under the FCRA. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After checking my most current report the updated information stated the account was purchased by XXXX XXXX  this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099- form. 



Also, the information on my report is wrong. According to 15 USC 1681s-2 ( f ), a person may not provide any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My credit report shows : Account status : XXXX, no record XXXX, closed, and Equifax open. Date of last activity : XXXX, No record XXXX, XX/XX/2023 and Equifax XX/XX/2023
Consumer complaint received 2023-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I opened a savings account with Citizens and deposited {$2000.00} from my XXXX account. Later the same day, I could not access my account and the customer service representative said they closed my account and the money will be returned in 2-3 business days. XXXX posted the transaction the next day so I know the money went through. It has been longer than 2-3 days and I still havent had my money returned back to my original XXXX account.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

All my student loans have been paid off. There is outdated information on all 3 credit reports. There is false information, I need all addresses and old phone numbers removed. All the inquires need to be removed. I am protected under title 15 U.S. codes 1601,1602, 1681n,1681o Done in good faith all rights reserved without prejudice I also am asking to be compensated for my time and the injury, loss and harm caused to my good name and credit. 
By : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I disputed a XXXX XXXX account back in XX/XX/year>, no response, when I didnt get a response in a timely matter I sent a dispute letter in XX/XX/year> asking equifax to verify how they verified my account once again and they finally sent me a letter telling me it came back verified but How, they havent explained to me how has the account come back verified and what information was obtained to be verified.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I obtained a copy of my consumer report and identified an item that I wish to dispute. I have experienced emotional distress as a consequence of this issue, and I have recently experienced suicidal thoughts. As a result, I am demanding that this matter be resolved in a fair and equitable fashion, which has not yet occurred. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2024-05-23
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. (TX)

To Whom It May Concern, I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention.

It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These alleged negative claims lack sufficient evidence to support their accuracy and compliance with legal guidelines. Therefore, I demand the expungement and deletion of all derogatory and adverse markings associated with these accounts. 
Furthermore, I insist on your compliance with the Fair Credit Reporting Act ( FCRA ) and METRO 2 reporting requirements. You are obligated to provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Failure to do so within 30 days will result in legal action, including but not limited to filing a claim in federal court. 
I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 
Sincerely,
Consumer complaint received 2024-05-24
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. (GA)

Account continues to be reported as having a monthly payment history, even though it should not be due to its late and/or charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. It is illegal to submit data without permission and it should be removed. I have requested removal previously and haven't received any resolution.
Consumer complaint received 2024-06-26
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. (GA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}
Consumer complaint received 2024-05-24
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 hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I understand that this is a serious matter, and I urge you to act promptly to rectify this situation. Failure to cooperate in resolving this matter may result in further legal action to protect my rights and creditworthiness. 


XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (NV)

In accordance with the fair reporting act, this creditor has violated my rights under 15 u.s. CODE 1681 section 602 states I have a right to privacy 15 U. S. CODE 1681 604 ( A ) ( 2 ) reporting agency can not furnish an account without My written instructions.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.