davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-03-03
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. (GA)

I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have given you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I have not received any proof of the verification of these accounts. Please delete immediately.
Consumer complaint received 2020-08-06
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. (MS)

I have collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Double Jeopardy! Only the company who owns the account can legally report it and I clearly see multiple companies reporting XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX immediately this is double jeopardy!
Consumer complaint received 2023-02-15
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. (FL)

Credit card from XXXX XXXX XXXX was mailed to my home. I never requested or opened an account from XXXX so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine
Consumer complaint received 2024-03-25
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. (IL)

Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and mine. 

Thank you, XXXX XXXX XXXX.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

It is the frontier flight credit card by Barclays. They promised five free flights and it was so difficult to get a flight. I could never find one to use it now they want to charge me an {$89.00} fee, which they call the annual fee on a card that I was never able to use simply put its fraud.
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Back in 2019 me and a couple of our friends was out in the town when i lost my wallet. I now have a collection on my credit stating i owe money to some apartments i never lived in. I also have proof of the lease where I resided when the fraud happened.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

Company : New York & CO/ Comenity Bank Account opened : XX/XX/XXXX Date closed : XXXX Original Debt : {$150.00} The account was closed on XX/XX/XXXX, I was behind on my payments since XX/XX/XXXX, i called the company to get support at least to minimize late fees. The operator told me that " they will pause the account, plus a two-month grace period. This agreement was not respected at all, even though the whole world was going through a big crisis/ covid-19 pandemic. From {$150.00} to {$430.00}, that's double the amount to be paid. 
Based on my consumer rights and the New State Regulations against illegal charges this account is time-barred ( more than 3 years since it was opened ). This company has been trying to collect a ridiculous amount, even when i called the bank on XX/XX/XXXX to work things out. Before the pandemic i was never late, i paid on time, and sometimes i paid extra. As a consumer i haven't been treated fairly, excessive fees were eliminated during the pandemic. Governor XXXX passed the bill, and Governor XXXX created the new Consumer Credit Fairness Act of XXXX which protects consumers from scrupulousness debt collectors t ( hat not ONLY harass but make threats ) to damage credit scores if consumers do not comply with them.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (NE)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DEPTEDXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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 2022-09-05
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. (AZ)

My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to Bank XXXX XXXX to pay my monthly credit card balance : Bank XXXX XXXX received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. 

The credit card was later taken over by XXXX, and a couple of years ago, I made XXXX last attempt to resolve the issue by writing a letter to XXXX explaining the history. I followed up on the letter and spoke with several different people at XXXX. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by Bank XXXX XXXX. They suggested I contact Bank XXXX XXXX, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for XXXX years, but the dispute arose in XXXX. There was never any response to my letter to Bank XXXX XXXX, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to XXXX ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about XXXX months after that, XXXX continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. 

I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( XXXX ), even though I have always paid my property taxes and homeowners insurance premiums on time. 

It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch XXXX. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (IL)

Experian you failure to verify information given to you company by a paid subscriber ( FPB ). XXXX XXXX XXXX record states that the last payment to account ending in XXXX is XX/XX/2017 ( year & month ) in the amount of {$130.00}. however XXXX XXXX XXXX is reporting to Experian credit reporting agency in payment summery that there was 4 additional payments made on account ending in XXXX the months of XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017 when in fact NO payment was ever made after XX/XX/2017 by XXXX own records but 4 additional payment is being reported to Experian. XXXX has knowingly and repeatedly reported inaccurate information once again I have attached these same supporting documents for review at this time XXXX and XXXX has already deleted this account from their records for the same inaccurate reporting I'm aware that XXXX pays Experian for reporting but Experian also by law has a responibilty to verify information giving to them before placing it on a consumer record and Experian has failed to do so.
Consumer complaint received 2021-03-20
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. (LA)

I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation last XXXX, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX. Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a XXXX XXXXXXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-11-16
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; 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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-07-14
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: Frontline Asset Strategies, LLC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

capital one bank usa XXXX XXXX capital one XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these inquiries i am unfamiliar with because i never used my credit to apply for anything
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked the credit bureaus to do a Theral research of my credit report, they did but when i do my research i find that there are inconsistencies in the accounts reported to my personal credit file.in accordance with the fair credit reporting act convergent account numbers starting XXXX, XXXX, XXXX, ( XXXX, XXXX auth user I have asked to be removed from the following accounts since as auth user i am not responsible ) those accounts have violated my rights as states in 15.usc.1681 section 602A sec:2 also states a consumer reporting agency can not furnished a account without my written instructions
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. XXXX day over 30 days later I have not received a response yet. I feel like I'm being taken advantage ofand being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these itemswithin 30 days gives a reason to immediately remove those items from my credit report and it has beenover 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately orI will file for litigation due to the stress caused on me. My information was also impacted by theEquifax data breach and may have gotten into the hands of the wrong person ( s ).
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$29000.00}
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.