davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-10-30
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)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (OH)

1006.34 Notice for validation. This debt was put on my credit report without notice and I want to validate that the debt with a itemized bill to confirm amouts owed. I have no record of receiving any information regarding this account.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 


has violated my rights. Or list of inquiries 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 2024-02-28
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TN)

I am formally writing this complaint as a result of SYNCHONY BANKS response. regarding my initial attempt to have SYNCHRONY BANK promptly investigate inaccurate information I have found in my credit report regarding the account furnished by SYNCHRONY BANK. SYNCHRONY BANK initially refused to do an investigation regarding the inaccuracies I attempted to dispute. Once a complaint was filed, they commenced the investigation I requested them to do initially. It has now come to my attention based on SYNCHRONY BANK 's response that this company is being dishonest and deceptive. SYNCHRONY BANK investigated the account I brought to their attention and responded with the answer that the account was verified as accurate. I beg to differ. Please see proof attached to this complaint. The inaccuracies regarding the account with SYNCHRONY BANK is circled in red. On my credit report I have discovered that they have been altered the date of last activity regarding this account for all 3 consumer reporting agencies. The dates show for XXXX " XX/XX/XXXX '', XXXX " XX/XX/XXXX '', and XXXX " XX/XX/XXXX ''. This is an indication that this account has been tampered with. They have re-aged this account with the consumer reporting agencies. A violation of the Fair Credit Reporting Act. This account was charged off as of XX/XX/XXXX. There should not be any activity reported because this account is closed, but it reports that the date of last activity was recently in XX/XX/XXXX. I have reason to believe this behavior also constitutes fraud per 18 USC 1001. The payment history regarding the account is also incomplete. The inaccuracies consist of missing payment information from XXXX and XXXX.
Consumer complaint received 2024-01-23
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. (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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX, XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Secured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX Charge account with account # XXXX, XXXX XXXX with account # XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
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)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (MT)

In XXXX of 2023, my checking account was overdrafted and I missed one auto-drafted payment to my mortgage holder, Newrez LLC for about {$600.00}. 

The company took so long ( over a month ) to notify me of this missed payment, that the next auto-draft payment had already been drawn by the time I received notification. When checking the account via their online portal, no indication of late payments or outstanding balances is shown. As a result, I assumed the payments were correctly auto-drafting. I even asked them to waive the late fee, as this was such an anomaly ( my first missed payment ever on any account in my life ), which they did. 

Unbeknownst to me, the next amount drafted paid the now 30-day late payment. Each payment made from then on, for over a year, was then 30 days late. Despite viewing the account many times, and inquiring about the first reports I saw on my credit report, ( despite Newrez 's written claim ) no account statements were mailed to me, and no explanation was provided, for over a year. When inquiring, I simply received letters telling me " they were continuing to look into the matter ''. 

After my credit suddenly dropped from XXXX by several hundred points, I opened a new complaint, now seeing many months of late payments on my report. Finally, Newrez told me that they had been drafting late payments for over a year. At this point, I made the missing payment immediately. 

Newrez LCC continues to deny its failure to effectively communicate the status of my payments, and my credit is paying the price. 

I contacted Newrez several times, at which point they could have easily told me what was going on. Instead, I assume, because they did not know what was going on, and because their system has no oversight, they strung this out for over a year.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (MO)

PNC created a duplicate title in the state that the vehicle was purchased at the same time I surrendered the original title in the state where I registered the vehicle. This created lots of problems when I went to renew my plates.
Consumer complaint received 2024-01-22
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 was a victim of the Equifax data breach I have documentation that Equifax admits that I was in fact the victim of this data breach I would like my information deleted from my credit report effective immediately due to this breach of my data by Equifax and all other credit reports due to this breach
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

XXXX in the amount of {$2000.00} on XX/XX/2023. I contacted Chime on XX/XX/2023 in regards to my transaction. They made me aware that they was going to do something about it after 10 business days they told me that my claim was denied i informed them that it wasn't the merchant. It was another individual who stole my wallet, and use it at the merchant location. They informed me to open a rebuttle I did, also I sent a written statement stating that the merchant had nothing to do with what happened and for me to try to file a police report. I couldn't file a police report because the police stated that there was nothing that they could do either since I've already tried to reach out to the merchant, I filed Nother rebuttle on XX/XX/XXXX waited 10 business days to XX/XX/XXXX they informed me I was gon na get a temporary credit on XX/XX/XXXX, XX/XX/XXXX came they denied me Once again, I open another rebottle, which is the current one that is supposedly open they told me on or before XX/XX/XXXX. I informed the supervisor that I am not waiting another 10 business days this is the third rebuttal that I've had to open and I need my funds in my account immediately I have already gave you all the information that y'all are needing and I need this to be escalated and fix still no response and so I have no choice but to reach out to this company.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address the recent denial of my dispute claims on my credit report, and I am greatly disappointed to find no supporting documentation justifying this denial. As a victim of identity theft, I have been actively working to remove these fraudulent accounts from my credit report, but the credit bureau has not provided any assistance. The accounts in question are DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}, DEPT OF EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6600.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$6400.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, and DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$9800.00}. I urge you to treat this matter seriously and take the required steps to resolve this issue promptly. I anticipate hearing from you soon.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-30
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. (NY)

I recently reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I am writing to submit a formal complaint against CREDITACPT concerning a late payment entry on my account ( Account XXXX XXXX ) that is appearing on my credit report. I firmly believe that the handling of this late payment entry by CREDITACPT is a violation of my rights under 15 USC 1666B, which governs billing errors in consumer credit accounts.

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under 15 USC 1666B are acknowledged and upheld.
Consumer complaint received 2024-01-22
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-22
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)

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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (MD)

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. 
Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just checked again my TransUnion, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2024-01-09
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: Marlette Funding, LLC (CA)

I raised a dispute with best egg in the month of XX/XX/2023, I got a call from one of the agent that I will be getting a permanent credit, but today I got paperwork that says that the credit will be reversed of {$100.00}, Best Egg is a fraud credit card, do not use or apply for this credit card
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I need all three credit bureaus to remove this fraudulent account I was hacked, My signature was hacked and my checking account by The XXXX XXXX XXXX XXXX XXXX and XXXX app. Defrauded my credit report with a charge of credit of XXXX and has stolen a total of XXXX from my personal checking account from my bank. I linked my bank account to The XXXX XXXX app and I made a mistake and my identity was stolen. I reported it to XXXX by phone call nothing was done. I closed the app and the spend and saving account deleted the app XX/XX/2023 made police report and filed complaints
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.