davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (TX)

I informed XXXX and Equifax that account XXXX XXXX XXXX  reporting on my credit report is incorrectly reporting and should not be on my credit report. They are reporting a balance when this account is closed, and the statute of limitations has surpassed. The debt is uncollectable and should be reporting a {$0.00} balance. Furthermore, they are reporting that this account is in collections when it is with the original creditor XXXX XXXX. This is a violation of the FCRA. They were instructed to provide how they conducted their investigation and provide proof of their reporting, but they failed to do so. XXXX has since removed this account from my credit report. I also submitted a XXXX  complaint against the company and the XXXX  has come back saying that the company failed to respond and did not validate this account. I will attach the XXXX  response to this complaint. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. I take my credit very serious, and your lack of professionalism and assistance is gross misconduct. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am anticipating your immediate response and removal of this account just as XXXX has removed it.
Consumer complaint received 2024-05-29
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)

XXXX - Account # XXXX XXXX late payments reporting for the months of XXXX and XXXX XXXX XXXX  account # XXXX XXXX late payments showing but information is innacurate shows only XXXX late payment for month of XXXX through XXXX and XXXX but not Equifax Then month of XXXX shows late only on Equifax but not XXXX XXXX XXXX How come the information is not the same across all bureaus reporting this matter? 

Ive mailed out a letter stating this information is incorrect, and they have not removed this negative item hindering my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (NY)

I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-12
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. (SC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MT)

Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15 USC 1681 ( b ) or neither have I've received 1099 c form Resurgent/LVNV Funding LLC . Referance ID : XXXX stated {$3900.00} balance. Sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. LVNV/ Resugent violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter with their initial letter. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given LVNV written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of LVNV reporting on to 3rd party/non-affiliate credit agencies. Resurgent/Lvnv Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to XXXX or XXXX per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting. This is a deceptive practice by Resurgent/Lvnv Funding and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. I ask that unless Resurgent/Lvnv Funding can provide me original signed contracts with my signature, that you cease and desist. Resurgent/Lvnv Funding is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
Consumer complaint received 2024-03-12
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. (RI)

I mailed a letter for request to delete and update any personal information to Equifax, XXXX XXXX XXXX on XX/XX/2024. I also sent a dispute letter to validate alleged collections, negatively reporting accounts, and unauthorized inquires, along with consumer laws they violated, on XX/XX/2024. I did not receive a response or results of the investigation. Its been well over 30 days, and this is a clear violation of 15 USC 1681i. I've delt with these same reporting issues in the past and have not yet recovered financially. Below I've included the codes that have been violated and a list of accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 

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

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-05-25
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. (TX)

My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have recently reviewed a copy of my credit report I was shocked to nd I have been a victim of identity theft. I have found numerous of accounts on my credit report that were not open by me. This has signicantly hurt me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2024-05-25
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. (TX)

I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-10-26
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (FL)

The dispute team and my actual credit union aren't communicating so XXXX was able to lie to the dispute team and say they never got the money and won their case against me and put the money I paid in collections and my credit union isn't willing to reopen my case against them when they can see my transactions
Consumer complaint received 2024-03-13
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this issue in a previous letter & I am including it again. I am attaching another FTC report XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance that will happen. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-03-13
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. (OR)

For the record, your response about specific, is a simple, if its not benefit to my interest, it my right to privacy to have it removed. 

I am the beneficiary, your are the trustee and you serve the needs of this account. 

There is not a need to verify with other companies, this is about my profile, and we do not benefit from adverse claims. 

So charge offs, late payments, delinquencies. 

It took 30 days for you to respond to my questions, which werent answered, instead you tell me be specific. 

If its not good, its gone. If you have discussion to remove or keep things, then you are my servant. I am your master. I am beneficiary, you are trustee, ok. 

Take these adverse claims and remove them at once, its your responsibility to have my best interest being a fiduciary capacity. 

You are trustee and serve me the beneficiary, got it no more usury and denial of due process. Get to work, you have dispute to remove. :
Consumer complaint received 2024-03-13
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. (PA)

I am writing to express my continued frustration regarding the unresolved discrepancies and unverified negative items on my credit report. Despite multiple attempts to dispute these items since XXXX of 2023, I have received no satisfactory resolution from your agency.
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was recently trying to purchase a house and noticed damages on my credit report. According to 15 USC 1681 there should not be any damages on mu report as it is a defamation of my character. 

XXXX XXXX XXXX is reporting inaccurate balances! 
Capital One is reporting inaccurate balances! 

All three major credit bureaus are reporting different amounts which are indeed inaccurate! 

In regard to CAPITAL ONE XXXX is reporting the following balances : {$3200.00}, {$660.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 

In regard to XXXX XXXX XXXX is reporting the following balance : {$19000.00} XXXX is reporting the following balance : {$18000.00} XXXX is reporting the following balance : {$18000.00} In addition to amounts varying from each other, they are also not the balance reported to my estate from XXXX XXXX making this all inaccurate information and inaccurate/fraudulent reporting
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since XX/XX/2023 I have been contacting Bank of America asking them to provide me with the name of the woman who called me slandering me and unlawfully keeping my money and freezing all my account but Bank of America has come up with all kinds of excuses and refuses to provide me with her name, her position with the bank and her direct phone number. 
On XX/XX/XXXX and XX/XX/2023 that woman from Bank of America called me yelling and screaming at me accusing me of being a criminal and involved in money laundering I told her that I had clients listening to her accusations but she went on like a broken record, I told her she was being rude and hang up. On XX/XX/XXXX, the same woman called me again yelling and screaming at me accusing me of being a criminal and involved in money laundering because I am wiring millions of dollars into cryptocurrency and that she is going to freeze all my accounts and keep my money and that I will never see a dime. Monday, XX/XX/XXXX all my accounts were frozen, personal and business accounts including my credit and debit cards and even the ability to sign in. Workers and contractor who went to cash their checks could not as Bank of America refused, then they turned around and threatened to have me arrested for giving them bad checks even though I still hundreds of thousands of dollars still in my accounts. 
That woman 's egregious actions were willful, wanton, reckless, intentional, malicious, defamatory, utter disregard for my wellbeing causing intentional infliction of emotional and financial trauma followed by cruel insensitive and defamatory remarks only compounded the pain by humiliation and embarrassment that ultimately caused me to stop working in the business that I enjoyed for over XXXX years. 
I want her name, position she held or holds with Bank of America and her direct phone number.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my XXXX XXXX Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response. 
FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have disputed these fraudulent accounts on several occasions since XXXX when I discovered the information on my account. When I finally was able to get them removed by dispute process. The information was re added back on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not my accounts. This has ruined my attempts to purchase cars and house for my family. 
This is fraud an I need them to remove and not add it at a later time.