davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX XXXX account on my consumer report was cancelled and returned to the creditor on XX/XX/year>. According to XXXX XXXX XXXX XXXX, this account should be deleted immediately.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 
In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 
XXXX  XXXX XXXX XX/XX/2024.
Consumer complaint received 2024-01-04
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. (GA)

XXXXUSC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making thXXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-04
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. (FL)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-04-26
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. (SC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect (WI)

( 5 ) new postings to all three credit bureaus for medical bills to XXXX XXXX and subsidies for medical bills filed bankruptcy XXXX Wisconsin has a law about medical bills should not go into collections or credit file anyway.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have asked Account Resolution Service to send me validation of these debts they continue to report to the XXXX major credit bureaus. They have failed to send me anything that is contractual binding of me to pay this debt instead I got a letter on their letter head stating I 'm to pay this debt. How can a company, just say you owe something without any supporting signed documentation? I 'm writing to you for relief from Account Resolution contuining to report false information and exhortation.
Consumer complaint received 2023-03-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I noticed a company called XXXX XXXX was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company XXXX XXXX still reporting different information to 3 credit reporting agencies without validation of the debt.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These are hard inquiries that I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: January Technologies, Inc (NV)

In XXXX XXXX XXXX, I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. 

Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for three years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX XXXX XXXX  summary which I have highlighted the two accounts in question, one with XXXX XXXX XXXX, the other with January Technologies, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.
Consumer complaint received 2024-01-04
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. (GA)

This complaint to EQUIFAX for allowing fraudulent inquiries and fraudulent information on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate information are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to TRANSUNION. It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXXmay be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I found out that I had something reporting on ChexSystems when I tried to open a new Checking Account. I filed disputes with ChexSystems and XXXX. I reached out to ChexSystems on XX/XX/2023 and XX/XX/2023. They have kept it on there and have not sent me any documents.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NJ)

The company lied about not receiving my identified information. I sent the information on XXXX via email and their document uploaded site. I already have a copy of my report which is how I am able to note the information is incorrect. The company never tried to reach me on XXXX  at my email address XXXX because the last email I have from LexisNexis is on XXXX
Consumer complaint received 2024-01-04
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. (VA)

This is in reference to : XXXX XXXX XXXX XXXX Auto Loan Account XXXX Balance due : {$45000.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (CA)

BMO bank made a derogatory report to credit bureaus. 

1. After making an online payment for a BMO credit card on XX/XX/XXXX, I received a confirmation number. 
2. On XX/XX/XXXX I made another scheduled payment and received a confirmation number. 
3. On XX/XX/XXXX I received a letter from BMO that was written on XXXX of XXXX, stating my account is late and payment is due in 2 days! 
4. Calling BMO customer service/collection department, I was advised the XXXX payment was not received. 

XXXX representative also said that " ..she can see payment attempt was made with XXXX XXXX. but due to the fact they were changing from Bank of The West to BMO, there were a technical issues on their end and the payment did not get properly credited to the account '' She said that if I make the payment again, while on the call, the account will be all sorted out. 
Asking about derogatory report to credit bureaus, she replied there are none. 

5. Though the error is clearly BMO 's, they took liberty on XXXX of XXXX, having been paid twice yet only processed one payment for XXXX, to file a derogatory report on XX/XX/XXXX. 

In 33 years of having credit history in the USA, I have not had a single late payment. 

Summary : XX/XX/XXXX BMO issued confirmation of payment # XXXX [ this is they were having technical problems processing due to change from Bank of The West ] XX/XX/XXXX BMO issued confirmation of payment # XXXX XX/XX/XXXX BMO issued confirmation of payment # XXXX [ replacement for XXXX XXXX, made with customer service ] BMO should issue an immediate retraction of derogatory report to all bureaus and send me a copy of the action taken. 

Thank You!
Consumer complaint received 2024-04-23
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. (VA)

Last year XX/XX/year>, i was a victim of identity theft and placed a credit alert fraud to all credit bureaus. Recently, they ran my credit report for my apartment and noticed an unknown number. I just want to report the phone number.
Consumer complaint received 2024-01-04
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.