davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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)

This is my CFPB complaint to notify you that I want to delete some items on my credit file. Regardless of my previous dispute, the items listed here are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. The following items should be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
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)

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 items XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (LA)

Synchrony Bank Customer Service XXXX XXXX XXXX XXXX, FL XXXX www.mysynchrony.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX RE : XXXX  Consumer Financing Account Ending in XXXX Creditor : Synchrony Bank Dear XXXX XXXX XXXX Thank you for your patience while we researched your dispute in regard to your XXXX Consumer Financing charge account. We have considered your rights under the terms of the Fair Credit Billing Act. Your claim was acknowledged and presented to XXXX XXXX XXXX. A copy of their response is enclosed. 
The nature of your dispute concerns a service quality issue. We sincerely regret you are not satisfied with the quality of the merchandise. While we empathize with your situation, as the creditor of your XXXX XXXX XXXX account, Synchrony Bank can not judge the quality of merchandise received. We encourage you to work directly with your merchant to reach a resolution to your concerns. 
On the basis of information available from both parties, we have released the remaining disputed amount in the merchants favor. At this time, we consider the dispute closed. The previously disputed amount, still unpaid, will be included on your next statement and due with your next payment. Please refer to the minimum payment amount and due date on your next statement. 
In accordance with Federal Regulations, we are providing you the address of each credit bureau agency that reports this account on your credit bureau report. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX If we may be of additional assistance, please contact customer service at ( XXXX ) XXXX. If you have information or documentation to support your billing inquiry not previously provided to us, please contact a billing inquiry specialist at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX. XXXX XXXX, Monday through Friday. 
Sincerely, Specialist, Billing Inquiries for Synchrony Bank Enclosure XXXX
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (DE)

My name is XXXX 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 XXXX 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 2023-06-22
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. (CA)

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 Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I was managing my XXXXXXXX XXXX account. I signed in on XX/XX/23 to realize several unauthorized XXXX XXXX  card transactions. I called and reported it as soon as I realized it and filed a claim. I know someone on the fraud team who was able to review the atm footage and showed me the image of the person who stole from the account. It was my XXXX at the time. I immediately called the police and XXXX XXXX  charges. XXXX XXXX the XXXX card from my wallet and replaced it with an XXXX  card of someone else so I wouldnt know it was missing. The bank denied my claim. I called and explained the situation and the rep refiled the claim as I work for the bank and another friend looked up the claim and advised me the first one was entered wrong. I have proof in form of texts and video that show my now XXXX admitting to stealing the money without my knowledge. The bank again without reaching out to me, denied my claim. I am working with the detective who has told me she sent the bank a subpoena for the atm footage for all the ATMs he went to. The detective is working with a XXXX  XXXX for the bank who first claimed couldnt find the account even though account number, titling, and my own name was provided, now they have found the account but are still delaying handing over the footage for some reason even after they told the detective they found the account. It is now XXXX, 3 months after I reported it and the bank still has not handed the footage to the detective so that an arrest warrant can be issued. The bank does not seem to care that this is a XXXX XXXX  situation and doesnt seem to be putting effort to stop the financial abuse I was put thru. I am working with an investigative reporter who will be doing a story on this for XXXX and all details will be made public, including how citizens refuses to help. My XXXX  also opened up phones fraudulently in my name and another credit card with a different bank that those companies were able to resolve for me. Citizens is the only bank not willing to help resolve a financial abuse situation and is doing all means to not hand over the footage to the police. They instead closed the account and never credited me for the fraud. I will be speaking with a lawyer regarding the treatment by the bank.
Consumer complaint received 2023-03-17
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

After the last trouble paying these people not much has changed. I contact this company earlier this month, a representative looks up my account accepted a full payment from me and thanked me and gave me a confirmation # .the funds where payed to them from my bank. Now today my account shows the funds have been sent back to my account. This company has no intentions on working with me to pay this dept. They are a terrible run company that is preying on homeowners like myself. Any help with this Company would be appreciated.
Consumer complaint received 2023-05-18
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. (VA)

I sent the following letter to Experian XXXX and XXXX all failed to respond, between the breaches and not keeping our information safe this is ridicolous YOU ARE BREAKING THE LAW UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( CREDIT CONTROL CORPORATI ) MY REQUEST TO RELEASE INFORMATION TO YOU, ( Experian, XXXX or XXXX ) I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! 
- Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protectthe privacy of my personal information and medical records from all third party reporting agencies. 
Please send the above requested information to my mailing address listed above. 
This letter is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt. 
53 MEDICAL COLLECTION REMOVAL Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
You have 15 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.
Consumer complaint received 2023-03-17
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. (VT)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (NJ)

They keep calling me for a alleged debt for a hospital bill. They had been told multiple times not to call me and send me a itemized invoice for this alleged debt from the hospital. They called XXXX and I advised them again not to call and a certified letter was sent to their company in regards to this matter. My insurance carrier also told me the bill was paid in accordance to the law and that this would fall under the Federal Law of The No Surprises Act. They then called on XXXX from XXXX after they were told not to call. This is a clear violation of the FDPCA when they were told again on XXXX do not call me and to only contact me via mail and that I had sent them a certified letter in the mail as well.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-03-17
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-04
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 sent via certified mail to Equifax that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) 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 instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on to my consumer report, no consent is identity theft.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax was suppose to remove a address that I never reside at but its still showing on my credit report. I have never reside here and already disputed this address numerous times. How was the address verified? How can I be living in XXXX and XXXX XXXX at the same time?
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.