davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid account/zero balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TransUnion is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

XXXX is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

XXXX is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.
Consumer complaint received 2024-04-15
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)

XXXX XXXX is reporting a credit card account on my credit file with Equifax, XXXX and XXXX that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked XXXX, XXXX and Equifax to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account
Consumer complaint received 2023-12-22
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. (CA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Despite consistently making on-time payments, this account is reflecting negatively with a late payment status. I discovered multiple billing errors that violate the provisions outlined in 15 U.S. Code 1666 ( b ) regarding billing errors.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$26000.00} XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX {$9000.00} XX/XX/2019 XXXX
Consumer complaint received 2023-12-15
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. (IL)

TransUnion is headquartered in XXXX, IL. TransUnion Inc. is a for profit traded company under symbol TRU in the business services industry. 
TransUnion is regulated by the FCRA and in occurrence with the FCRA. TransUnion must comply with The Privacy Act of 1974, and 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to TransUnion that allows them to report or provide any information on any report pertaining to XXXX XXXX. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though TransUnion has not received any written instructions from a federally protected consumer. TransUnion has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion also has non mail able addresses on this report, which I want removed. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion also has incorrect phone numbers on this report that are not associated with XXXX XXXX. I want this phone numbers removed! 
( XXXX ) XXXX ( XXXX ) XXXX TransUnion also has XXXX  incorrect names on this report that are not associated with XXXX XXXX. 
I want these names removed! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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)

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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have disputed my name and address with XXXX, Equifax, XXXX, for the past XXXX, asking for my information to be updated.I sent proof of Identity with the one & only birth name I was given. This is the statement below I sent to all three credit bureaus. They continue to cause me LIBEL DEFAMATION OF CHARACTER. 


I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please delete all other addresses & names, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address and name with the one above. 
15 USC 1681 a There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theConsumers right to privacy. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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. 
The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2023 Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten verbal and non-verbal permission 15 USC 6802.

Per the privacy act of 1974, as amended 5 USC 552a The privacy act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

I submitted a copy of my drivers license ( id ) and a copy of my w-2 to get the fraud alert removed since Equifax needs 2 forms of ID. The CRA is obligated to use these documents to remove the alert. Even on the website they indicated that these 2 types of documents are ok. Why is Equifax doing this?
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX sent inaccurate information to credit bureaus. They reported account was closed and charged off. This inaccurate information also negatively affected my credit, to the point where I was denied an auto loan after a vehicle was totaled as a result of the adverse information which they reported to the bureaus. Which affected me by not being able to replace that vehicle. XXXX XXXX knows they are wrong, There are numerous consumer lawsuits, A class action suit settled recently against them. Truth in lending violations in my contract, as well as predatory lending tactics.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I have been a victim of identity theft. I just checked my credit reports and there's some un-mailable addresses and addresses that I have never lived at. According to the FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also according to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to my credit report without my written consent is considered Identity theft.
Consumer complaint received 2024-01-30
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: HUNTINGTON NATIONAL BANK, THE (MI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-12-22
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I made a transfer of XXXX XXXX XXXXXXXX the XX/XX/23 to an account of Wise in the XXXX using my premier account of HSBC. After ten days that the recipient did not receive the money and his bank confirmed him that the money was sent back to HSBC because they changed the account details I contacted my bank. I have already contacted them several times and they said they are investigating the issue but do not give me the money back nor does the recipient receive it. 
I asked the bank to give me back the money or send it to the recipient and close my account but they refused to do it.
Consumer complaint received 2024-04-15
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. (LA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc. (TX)

Keep getting numerious calls that call either early mornings or late past XXXXXXXX XXXX & letters in the mail with this agency. They have yet to provide proper documentation for proof of agreement with my signature or contractual agreement for CREDIT COLLECTION SERVICE.
Consumer complaint received 2023-12-22
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

The company AmeriCollect Inc. had contacted me on XX/XX/XXXX stating that I " owed '' a past due account to them for XXXX XXXXXXXX XXXX XXXX. I disputed this with the company via mail. They then sent me a document with my name and an account number. I then contracted them again asking for proof and they stated that is all the proof they needed. Even when it was in dispute status they filed it against my credit. I then contacted them again asking for a itemized state for the bill and services provided to ensure this is true and accurate and mentioned that this was on my credit. They then placed it in dispute status again and told me they would remove it off my credit and send me the letter of proof on XX/XX/XXXX. That was not true I got a " bill '' with just an amount owed no proof that I owed or owned this bill. I then sent a dispute letter again on XX/XX/XXXX USPS mail tracking XXXX. After speaking to them today XX/XX/XXXX they said they didn't send it like they said they did and they were unsure if they would be able to remove it from my credit. I feel like they have lied and tried to scam me for unowned money.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 

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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (VA)

On XX/XX/2023 There were two transactions happened from my account for {$2500.00} and {$2500.00}. I didnt authorize those transactions and I disputed them on the same day and asked them three times to help with the transaction and stop the transactions but they dined it. I didnt authorize those transactions and theyre making me responsible for it. This is the second time in one year they dined my dispute which is not acceptable.
Consumer complaint received 2024-04-15
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. (PA)

I am XXXX XXXX, and I recently obtained copies of my credit reports.

Upon reviewing them, I discovered multiple violations committed by your agency. I want to bring to your attention that I am entitled to monetary compensation under FCRA 15 U.S.C.

1681i ( 6 ) - Notice of Results of Reinvestigation. I am writing this letter to inform you of the specific violations that have affected my rights.

I demand that you promptly comply with these requirements.