davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (CA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

XXXX the list of the questionable items : XXXX  XXXX Late Payment {$6700.00} XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXXXXXX Late Payment {$350000.00} XXXX XXXX Late Payment {$260.00}
Consumer complaint received 2023-05-13
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022, there were fraudulent charges made on my XXXX XXXX XXXX with Synchrony Bank. I opened a claim immediately. I have attached a photo from a XX/XX/2022 statement to show I had not used the credit card prior to these charges. After almost 60 days my claim was denied. I called to open a new case when I saw the fraudulent charges on my card again and to close the credit card. For months, I was led on to believe by the company that I had opened a new case. I called several times and the XXXX XXXX credit card number/fraud department confirmed that the case was still pending and that it would take an additional 60 days. On XXXX, I saw that my XXXX XXXX XXXX had gone down XXXX points because of the fraudulent charges. When I called the fraud department told me that there was no open case and after going over details telling me the denial was the last action taken, they reopened the case. My case was approved in XXXX after I sent a letter of intent to open a claim and file legal charges.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account should not be reporting to my credit report ; XXXX account # XXXX. 
This company ( XXXX ) was involved in a class action lawsuit, and was in violation of the UCC code.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

HSBC closed my checking and savings account on XX/XX/2023 for no reason, I asked the reason for the closure and was told that there was no reason, I did not do any illegal operations, I hope to verify, thank you!
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My service prover Mr. Cooper is charging me for a bridge homeowners policy that they bought because they are stating that I had a lapsed policy. I have provided to them documentation that shows I had no lapsed policy ever, period in question, XXXX XXXX XXXX XXXX. 
I have asked them to cease and desist with these harassing emails and communications and to credit my account as I owe nothing to them. 
I suspect this may be a scam and that they are doing this with other customers.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-24
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. (NY)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b } that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (CA)

LVNV frauduently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.

whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA.
Consumer complaint received 2023-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I purchased furniture through WayFair and used their financing entity called XXXX XXXX  or XXXX XXXX. In XXXX I paid a lump some payment in the amount of {$1700.00} which exceeded the {$110.00} payment amount due. XXXX  XXXX took the payment and applied it to the principal balance without my consent or knowledge. They then proceeded to report my account 30 days late with all 3 credit bureaus. I contacted them to correct this error and they refused to remove the inaccuracy on my report causing my score to decrease by 46 points and harm me financially.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (OH)

I rented a car from next car in XXXX it was to be a four day rental it happened on XX/XX/XXXX and on XX/XX/XXXX I had a blowout on the tire I tried to contact the rental car company and could not reach anyone I left a message at the office that I rented the car from and I also left a message at the XXXX number I could not continue to drive the vehicle because the spare had a limit of 35 miles per hour and I was on a highway that had a 70 mph speed limit finally on Monday someone called me back I gave them the location of the car they came and got the keys and I'm not sure when they pick the car up the whole rental would have been XXXX which they pre-approved on my Visa debit card on the return of the vehicle I would have gotten my {$300.00} deposit back the next thing I know they billed my debit card another {$490.00} for a total of {$1000.00} for a less than 24-hour car rental I have tried to speak to them in regard to this which they refuse they then turned around and filed a claim with my insurance XXXX has denied their claim because they refuse to provide details or an inspection of the vehicle to them I believe this whole thing was a big scam I had to go through two previous cars with them before I can get one car that was safe to drive I disputed these charges with my Navy Federal credit Union account and they said the decision was ultimately up to XXXX  and because the next car rental company provided a rental contract with my signature on it they allowed the debits however the document they submitted for the {$1000.00} was not a document I signed I signed a document for {$590.00} they altered the original document and added charges to it and that is what they presented to Navy Federal credit Union and Navy Federal presented to XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MA)

I filed XXXX  XXXX XXXX of XXXX  and Citibank was listed on the schedule when I filed. Citi bank filed a lien on my property XX/XX/. Citibank has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX Inquiry : XXXX XXXX, XXXX PROMAX/CAROUSEL XXXX XXXX XXXX : XXXX XXXX, XXXX COMMUNITY XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX MEMBERS ' AUTO SOLUTION Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX FIRST FEDERAL CREDIT UNI Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX. XXXX, XXXX XXXX USED XXXX XXXX Inquiry : XXXX. XXXX, XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX. XXXX, XXXX CAPITAL XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (AR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-08-02
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. (PA)

I wrote to XXXX and Equifax requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the credit bureaus could not provide any documentation on any the accuracy of the accounts, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

Accounts Below Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX that they reported the balance zero but they still have it on my report.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I noticed an error on my XXXX and Experian Credit reports who are reporting a bankruptcy that has been unverified. I requested numerous times for both agencies to verify this item, reinvestigate and to disclose the method of verification. I know they did not investigate this after numerous attempts to request an investigation. I sent a letter on XX/XX/XXXX to both credit reporting agencies requesting the methods of verification in which both listed XXXX XXXX. However, the credit bureaus neglected to contact XXXX XXXX although they stated that they did. I contact XXXX XXXX back on XX/XX/XXXX to request verification as well, and they replied that they were deleting this and updated my XXXX XXXX report so it no longer is reflecting a bankruptcy since it could not be verified. I responded to XXXX XXXX requesting that they disclose who they verify bankruptcies through, in which they replied that they use XXXX a third party reporting agency. This agency receives information from the courts, including the alleged court reporting a bankruptcy. The St Louis Bankruptcy Court stated they provide no information to any credit bureau or reporting agencies. I requested that the credit bureaus delete the bankruptcy being reported since they are still claiming that XXXX XXXX verified this public record, however I have provided copies of the letters that I received from XXXX XXXX that they confirmed they deleted the bankruptcy record and it is no longer on my file with them. They refuse stating they verified with XXXX XXXX still. However if they truly did then they would have found that XXXX XXXX is no longer reporting the unverified bankruptcy. Please investigate this matter so that I can have this unverified public record of a bankruptcy removed since it is damaging my credit report. The credit bureaus have failed to verify with XXXX XXXX after numerous requests, and copies of letter from XXXX XXXX that I have submitted to them have been neglected.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (IL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX Account Number : Account XXXX Balance : {$240.00} Fraudulent Collection Accounts : XXXX XXXX, XXXX Account XXXX : Collection XXXX Balance : {$4300.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection XXXX Balance : {$310.00} Unauthorized Inquiries : Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX  XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX NA XXXX Inquiry name : XXXX XXXX Inquiry name : XXXX XXXX Inquiry XXXX : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXXXXXX SC XXXX XXXX name : XXXX XXXX XXXX XXXXXXXX Inquiry name : XXXX XXXXXXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Inquiry name XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX Infamis of pulls
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.