davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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 2020-08-03
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX XXXX XXXX  )
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

i sent a letter to them on XXXX XXXX and hasn't heard from them concerning this inaccurate item XX/XX/2021 LVNV FUNDING LLC c/o RESURGENT CAPITAL SERVICES XXXX  XXXX  XXXX XXXX, SC XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX  Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$960.00} Dear LVNV FUNDING, LLC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WI)

I got a new Apple Card from XXXX. I have only had it a couple of months and have not missed a payment. On XX/XX/21 I paid my statement balance of {$2800.00}. It was taken from my bank account but the issuer informed that the payment and the card have a hold on it until XX/XX/21. They told me it was due to a reversed payment in the past and that in the future to have my payments in on time. I have not missed a payment and have not carried a balance. I was able to provide proof on that and they determined that there had never in fact been a payment reversal. They tried twice to release the hold but were unable to do so. I asked for an explanation as to why and was told by the supervisor he doesn't know why. He submitted a complaint on my behalf telling me " I might hear back from someone ''. This is clearly a way to deter people from paying the statement balance so they can collect interest. So now I am missing nearly {$3000.00} from my checking and can not use my Apple Card for two weeks.
Consumer complaint received 2024-04-02
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. (OH)

XXXXXXXX XXXX reported a late payment on XX/XX/year> that I paid on time I would like the late payment removed by law according to code 15 USC 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party
Consumer complaint received 2023-08-14
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. (ND)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In XX/XX/2022 i made a {$5.00} charge. The XXXX credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX  service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX  denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.
Consumer complaint received 2023-09-05
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

Im on loan modification for 1 year now, they stopped taking auto pay out I call monthly to pay so it isnt late. I believe they want to take my property. This month they report to credit bureau my balance went from XXXX to XXXX but my mortgage is paid on time no late fees. How would balance go up when I also pay additional XXXX XXXX monthly just towards principle
Consumer complaint received 2023-06-12
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-24
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. (IL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (TX)

FCRA violations: addresses not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Resident type
Single family
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

FCRA violations: payments never late
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX
Status
Open.

FCRA violations: accounts not mine XXXX  Potentially negative
Date opened
XX/XX/XXXX
Balance
-
Status
Closed. XXXX written
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX Status
Collection account. XXXX
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DailyPay, Inc (PA)

Dear CFPB, I am writing this letter to file a complaint against Friday by DailyPay for restricting my access to my paycheck funds by not updating my login information in a timely manner. I have been unable to access any of my money and the company keeps giving different timeframes. 

I have also had other issues with the company such as taking too long to resolve the issue, poor customer support, rude customer service, and refusing to release my funds to me. 

I have tried to resolve this issue with the company but they have not been able to provide me with a satisfactory resolution. I am therefore requesting your assistance in resolving this matter. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Hello, I am writing to formally dispute the recent decision regarding the XXXX XXXX XXXX  account with FCO, as communicated to me on my online consumer report. Dates reporting opened are XX/XX/XXXX and XX/XX/XXXX showing and balance of {$2300.00} for a charge off account. 

After thorough review of the relevant consumer protection laws, including but not limited to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ), I believe that the decision made is unjust and fails to comply with the legal obligations outlined in these statutes. 

As of XX/XX/XXXX Pennsylvania debt collection law, the statute of limitations is four years for any credit card debt or medical bills. 


According to 12 CFR 1006.34 ( b ) ( 5 ), consumers have the right to receive a written explanation of the reasons for adverse actions taken by a financial institution, such as the decision made regarding my account. However, the communication provided to me lacked sufficient detail and failed to adequately explain the basis for the adverse action. 

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) requires that consumers be provided with specific information about their rights under the Fair Credit Reporting Act ( FCRA ), including the right to dispute inaccurate information. I did not receive any such information in the communication from your company, thereby depriving me of my rights under the FCRA. 

Additionally, 12 CFR 1006.34 ( d ) mandates that consumers be informed of their right to request a copy of the consumer report that was used in making the adverse decision. However, no such provision was made in the communication I received, which is a clear violation of this regulation. 

Moreover, 15 USC 1681-S 2 ( 7 ) ( A ) stipulates that consumers have the right to dispute inaccurate or incomplete information contained in their consumer reports. This company has failed to take appropriate action to investigate and correct the inaccuracies. 

In light of the aforementioned violations of consumer protection laws, I hereby request that you review your decision regarding my account and provide me with a detailed explanation that complies with the requirements of 12 CFR 1006.34. Additionally, I request that you provide me with a hard copy of my full consumer report, as per the provisions of 12 CFR 1006.34 ( d ), and take immediate steps to investigate and rectify any inaccuracies therein, in accordance with 15 USC 1681-S 2 ( 7 ) ( A ). 

Failure to comply with these legal obligations may result in further action being taken to protect my rights as a consumer. I expect a prompt response to this letter and a resolution to the issues raised herein within 15 days from the date of this letter. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-11
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. (TX)

In XX/XX/2022 i made a {$5.00} charge. The XXXX credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX  denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.
Consumer complaint received 2022-10-24
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. (IL)

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; GXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Consumer complaint received 2023-08-14
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. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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
Consumer complaint received 2024-04-03
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. (TX)

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 2022-12-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. ()

I brought a {$75.00} prepaid vanilla visa card at XXXXXXXX XXXX  on XX/XX/XXXX Friday I login on to website signed in at it said under status being processed but on the the receipt from gas station it's saying active and the I tried to re login back to site and it is saying system error.So as of XXXX XXXX Tuesday morning XX/XX/2022 the card does not work I tried phoning the number but no success.
Consumer complaint received 2023-06-09
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)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Name : XXXX XXXX XXXX XXXX Date of Birth:XXXX XXXX ID Type : Driver 's License ID Number : XXXX 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 XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # : XXXX XXXX  : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX