davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (SC)

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 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 2023-01-10
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. (MD)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these inquires be immediately deleted from the credit file you maintain under my social security number. 
XXXX 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 2023-06-06
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. (NC)

I have a closed paid off account with XXXX XXXX XXXX XXXX  from XX/XX/XXXX  that is inaccurately reporting a late payment on XXXX, XXXX and TransUnion. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my third request to these companies. In XX/XX/XXXX In XX/XX/XXXX and now XX/XX/XXXX I have sent letters either requesting why erroneous information pertaining to accounts listed are listed on my profiles for XXXX XXXX XXXX  and Transunion 1 ) Names. They have placed erroneous names for me such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. I am tired of sending copies of my id stating this. I dont know where these agencies got these names from My social is XXXX. I am shown to have socials ending in XXXX XXXX and other social security numbers. I have asked these to be removed more than once with no remedy. I have sent a copy of my social more than once They continue to show addresses not mine. My address for more than XXXX  years is XXXX XXXX XXXX XXXX XXXX CA. XXXX. These agencies have XXXX different erroneous addresses for me which include family members addresses XXXX XXXX  apartment buildings i have managed and other addresses not related to me. 

Addresses shown on reports which are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA. XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  CA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why are these addresses on here and where did they come from XXXX XXXX 

I have requested an explanation of what the following alleged accounts and balances are for XXXX XXXX XXXXa complete audit trail XXXX XXXX XXXX documentation that shows i agreed to pay the debts listed XXXX XXXX XXXX XXXX XXXXwritten permission or agreements I have with these companies XXXX XXXX XXXX XXXX XXXXnotification to me 30 days in advance advising me of the intent to put these negative information on my profile. I have no clue who most all of these companies are XXXX XXXX XXXX  what agreements i have with them XXXX XXXX XXXX ... all of them show different amounts on each report XXXX XXXX XXXX XXXX  they have not responded to me reporting back the requests I have asked for. the companies on these reports for which i have requested info on my reports are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries I have no idea who these inquiries are and have never given permission or authorized them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers that are not mine that are shown : XXXX and XXXX
Consumer complaint received 2023-03-12
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: CarMax, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sction 602 States I have the right to privacy.

15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (WV)

Today ( XX/XX/XXXX ) received a letter from XXXX XXXX stating that my XXXX XXXX account had been sold to XXXX XXXX XXXX with a balance of {$930.00}. The number for XXXX XXXX XXXX does not provide a contact. Synchrony admits that the number provide is incorrect. XXXX XXXX refuses to provide any information on why there is an account balance. XXXX at XXXX XXXX advised that the only option was to talk to the collection agency ( XXXX XXXX XXXX ). At that point XXXX also advised that there was no supervisor/manager/director available to talk to and repeated that the only option would be to talk with the collection agency. 

The last bill received was in XX/XX/XXXX for {$230.00} which was paid by XXXX XXXX Bill Pay - sent on XX/XX/XXXX with confirmation number of XXXX. No subsequent usage of the credit card was made nor were any subsequent bills received. During today 's call XXXX XXXX   confirmed that they had the correct mailing address for my account. As there has been no usage of the account and no bills received there should be no balance. Regardless of that without a bill showing the balance there has been no opportunity to challenge any invalid charges. 

I have also found that the card is blocked and online access to the account is also blocked.
Consumer complaint received 2023-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (FL)

XX/XX/XXXX, we purchased a car from XXXX XXXXXXXX XXXX  XXXX XXXX, and paid portion with a credit card and a check. {$5000.00} on the Credit Card, and {$14000.00} by check. 
The check was fully collected on XX/XX/XXXX without an problem. 
Qualia Collection Services XXXX XXXX XXXX XXXX, CA XXXX Sent us a collection of {$700.00} in th of XXXX XXXX in forformerr check us returned, and this is a penalty for the default on the check. 

I have contacted the collection company and informed that my bank never rejected the check. 
Qualia Collection Services, where persisted that we must pay the account # XXXX if we don't want this collection on my credit report. 
So I come to you CFPB, to help stop this and protect others from this scam.
Consumer complaint received 2018-03-06
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. (NC)

I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dispute of Debt Collection Account, Reference XXXX ; XXXX I am writing to dispute the validity of the debt you claim I owe, which is referenced above. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692ce, I am requesting validation of this debt.

I dispute the following aspects of the debt : Accuracy of Information : I have no record of owing any debt to the creditor as stated in your collection notice. Therefore, I request detailed information about the origin and nature of this debt, including the original creditor 's name and contact information, the original account number, the dates of the alleged debt, and a breakdown of any fees or interest charges applied.

Verification of Debt : Under the FDCPA, I am entitled to verification of this debt. Please provide documentation that substantiates your claim, including copies of the original agreement with the creditor, any contracts or invoices, a complete payment history, and proof of ownership and legally allowed to collect on this debt in my state.

Cease Communication Request : As provided by 15 USC 1692ce, I am formally requesting that you cease all communication with me regarding this debt, except as allowed by law, until you have provided the requested validation. Further communication in violation of this provision will be considered harassment and a violation of federal law.

Failure to provide the requested validation within 30 days has resulted in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney General 's office.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CO)

I have paid over $ XXXX to kia XXXX in down payment etc including the payment.. 
the payoff is XXXX I have totaled the car now they want XXXX XXXXXXXX and told me that all the money down for extra miles etc that i pre paid is not counting and the XXXX that i paid mean nothing..
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The credit report shows two XXXX XXXX accounts with late payments for the last 36 months, whereas I made all payments on time and agreed with XXXX XXXX. 

The credit report also shows a XXXX XXXX account with late payments for the last 36 months, whereas I made all payments on time and as agreed with XXXX XXXX.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 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 IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (MO)

I am trying to purchase a home soon which made me review my credit. There are multiple errors on my credit. A collection from XXXX  XXXX is on my report from an account Ive never had. Along with the address that it is attached with. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It XXXX Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Consumer complaint received 2023-07-26
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (TN)

XXXX : Family of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Below is your response to my last complaint : Please know the account charged off on XX/XX/XXXX, with a {$110.00} outstanding balance. That outstanding balance was paid in full on XX/XX/XXXX. Upon investigating this complaint, we found the account has been reporting inaccurately to the credit bureaus. We extend our sincerest apologies for this error. Weve requested the three major credit bureaus ( XXXX, XXXX and XXXX ) update their reporting to accurately reflect the account as charged-off, paid in full. Please note this update could take up to 30 days to process. Weve confirmed we sent letter responses to all three of your previous debt validation requests, which we received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our responses were sent to you the day after we received your requests. Enclosed for your reference are copies of the original credit card application, the terms and conditions applicable to the account, the above-referenced debt validation responses and your billing statements from XXXX XXXX XXXX. Should you have any additional questions, dont hesitate to reach out to us at XXXX. 

Since you have inaccurately reported I there is a goodwill adjustment/deletion that must take place according to the FCRA
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, 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. (NY)

These are the inquiries I'd want removed from my TRANSUNION report. TRANSUNION is claiming I sent an incomplete FTC Identity Theft report so I am updating it to reflect the updates. The inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again please remove these inquiries from my report. Thank you.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

I have disputed the date the account was closed with American Express. They have refused to provide a closed date on XXXX and XXXX and is reporting a closed date of XX/XX/year> with XXXX. 

If the closed date is XX/XX/year>, I should have had access to the card as of that date. 

Account number XXXX