davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. 

The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. 

Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX 

A debt is being reported under my name, and I have no idea of what XXXXXXXX XXXXXXXX is- I have not ever had a bank account with this bank or a XXXX XXXX  credit card. 

My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX and XXXX XXXXXXXX XXXX  thus this could have possibly contributed to someone having my personal information in which to open this account. 

However, I have requested a contract, or actual documents but again ; Portfolio Recovery Associates has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX {$540.00} # XXXX, Account name : Rent Debt Automated {$610.00} # XXXX opened on XXXX, Account name : XXXX XXXX XXXX {$6900.00} opened XXXX XXXX # XXXX, Account name : XXXX XXXX opened on XXXX {$1400.00} # XXXX, XXXX XXXX {$500.00} opened XXXX # XXXX, XXXX XXXX {$1600.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 2024-06-12
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights that prohibit creditors and credit reporting agencies from imposing late fees on accounts affected by XXXX XXXX under section 15 U.S.C. 168. XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. Section 605B and Section 609 ( e ) state that any resulting late fees should be promptly removed if fraudulent activity occurs on your account due to identity theft. I have the right to dispute inaccurate information on their credit reports, including late fees resulting from unauthorized transactions. ( 5 ) Section States : no consumer report containing reporting agency makes 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. 
Instead of assisting me when my XXXX XXXX XXXX along with my wallet and credit cards, XXXX charged my late fees which have been difficult to pay, and reported them to the credit bureaus which has significantly affected my credit history. My XXXX XXXX  case was insufficiently handled, and the errors persisted on my credit report. The FCRA ensures that consumers have the right to accurate credit reporting and timely resolution of XXXX XXXX-related issues.
Consumer complaint received 2023-06-08
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. (GA)

The consumer reporting agency Account Name & Account number was properly investigation. But how is that possible if the account is fraud and I am a victim of Identity Theft. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report as well. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (NJ)

I recently contacted Equifax and the companies about unauthorized inquires. Equifax has not rectified the issue and do not have any accounts associated with any if the inquires. furthermore. I did not authorized any of these inquires below XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2023-07-25
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. (CA)

On XX/XX/2023 I submitted an investigation results to all 3 credit bureaus regarding late payments reporting on my both my XXXX XXXX account and XXXX XXXX. These late payments are reporting in error and creating financial hardship. I never heard from the credit bureaus. I resubmitted my complaint again on XX/XX/XXXX by mail after calling them only to find out nothing had been done. I called them again on XX/XX/2023. The credit bureaus have no interest in assisting consumers and refuse to investigate. If you get someone on the phone within a half hour you are lucky and those that take the calls simply tell you to resubmit as there is no change. I attempted to get a supervisor or manager on the phone and was left on hold and then disconnected. The above happened with all 3 of the credit bureaus. The bottom line is that I was not late paying my accounts and want both XXXX XXXX and XXXX XXXX corrected immediately. Thank you
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-06-11
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 writing to follow up on our ongoing efforts to delete the fraudulent items from my credit report. Despite our previous two attempts, I regret to inform you that these items still persist on my record. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (NC)

I received a notice in XXXX of 2019 that XXXX XXXX XXXX transferred my mortgage to Mr. Cooper effective date XX/XX/2019. Mr. Cooper has not been reporting my mortgage payments since they acquired my loan. I have being making timely payments with them and none of my payments have been reported.
Consumer complaint received 2024-07-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Bank of America XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX Claim Number XXXX claim amount : {$1500.00} Dear CFPB Complaints, XXXX XXXX XXXX XXXX, am asking for help to resolve my existing claim number XXXX reconsideration of submitted additional information describing the transaction to support the claim dispute with written documentation for more evidence. 
I wish to make a complaint to receive the payment for {$1500.00} resolve of the claim number XXXX dispute of charge of {$1500.00} to my XXXX Bank of America Prepaid card account ending XXXX on the date XX/XX/year> at XXXX PM by the XXXX XXXX  Bank of America that posted in error because it is an unauthorized double debit. I did not make or give permission to use my account. My Bofa prepaid card was not lost and the transaction was not fraudulent. The invalid double debit is exactly the same as the valid debit of {$1500.00} teller withdrawal earlier at bank XX/XX/year> at XXXX PM posted on my account history XX/XX/year>
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX disputing information on my credit report. Pursuant to FCRA XXXX XXXX including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. XXXX complying with the letter of the law & what youre required to have to honor my 605B request. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
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. (IL)

I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized inquiries. These are not affiliated with me, and I never authorized them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-12
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 sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (VA)

On XX/XX/year> set up Experian acct. due to XXXX data breach. They are supposed to notify me of any incidences. Have never received anything from them.. 
On XX/XX/year> received a supposed call from a " XXXX XXXX '' - 2 very bad phone calls wih phone # s that don't answer if you call back. Telling me about a XXXX card I had applied for in XXXX (??? ) and that had charged over {$2000.00} on it -- latest of which was $ XXXX XXXX XXXX (??? ). I took a name and phone # ( the XXXX # " answers as a XXXXXXXX XXXX  '' but wants a credit card # right away???? ) I called the phone # I had from opening up the Experian account, but they were only XXXX  people. They gave me a supposed Experian phone # to help -BUT IT'S IMPOSSIBLE TO SPEAK TO ANYONE -- ONLY GET SOME NONSENSICAL " PRESS THIS + PRESS THAT ''. I need to talk to someone about what's going on and how useless this Experian thing is if I have to notify them of a problem instead of them notifying me???? 
PLEASE HELP
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. (PR)

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.