davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Notice of Dispute and Request for Correction of Consumer Report Information Dear Sir/Madam, I am writing to bring to your attention several inaccuracies and discrepancies present on my credit reports maintained by your respective agencies, Equifax, XXXX, and XXXX. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681a and the Privacy Act of 1974 ( U.S. Code 552a ), I hereby assert my rights to dispute and request correction of the information contained within my consumer reports. 

As per the FCRA and Privacy Act, a consumer report is defined as any collection or grouping of information about an individual, including but not limited to their financial transactions, maintained by an agency, and containing their name or other identifying particulars. Furthermore, the law stipulates that no agency shall disclose any record contained in a system of records to any person or entity without prior written request or consent from the individual to whom the record pertains, except as provided under specific circumstances. 

Upon reviewing my credit reports, I have identified several accounts that are inaccurately reported. The following accounts contain erroneous information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Number XXXX I want to make it explicitly clear that as of XX/XX/XXXX, I hereby revoke any consent, whether it was given knowingly or unknowingly, for the dissemination of my information to your agencies by any of the mentioned companies or entities. 

I demand that you either mark these accounts as paid and never late or remove them entirely from my consumer reports. 

I am giving you a period of 10 days from the receipt of this letter to rectify these inaccuracies. Failure to do so will leave me with no choice but to pursue legal action. Under the provisions of the FCRA, I am entitled to seek damages for each violation, and I will be seeking a total of {$8000.00}, which amounts to {$1000.00} for each violation. 

Please take this matter seriously and act promptly to resolve the discrepancies on my credit reports. Enclosed with this letter, you will find copies of relevant documents for your reference. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
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. (PA)

Account info Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$630.00} Pertaining to Account XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-29
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. (WI)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. US DEPT OF EDXXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-03-27
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments.I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

PayPal promised me that my limitations and account will be back to normal standing after paying a negative balance Days later I get notified that I can no longer do business and my account is permanently limited after following their instructions My assets is stuck in my account I am trying to sell my XXXX  and withdraw my assets They are not allowing me to I will be disputing the payment I made to them to my bank for harassing me into paying a negative balance and not giving me what I want
Consumer complaint received 2024-04-02
Product: Credit reporting 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. (FL)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. 

Please investigate the following : INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 

I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have N0 record of me?

As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Consumer complaint received 2023-05-22
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. (FL)

My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. Thank you.
Consumer complaint received 2023-05-22
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. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I did not give permission to run my credit and acquire these inquiries. 

XX/XX/2023, XXXX XXXX ( XXXX ) XX/XX/2023, XXXX XXXX XXXX ( Experian ) XX/XX/2023, XXXX XXXX XXXX ( XXXX ) This is very frustrating and holding me back from the credit score I deserve.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I HAVE ONLY BEEN ASSOCIATED WITH XXXX ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT
Consumer complaint received 2023-04-19
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. (IL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-02
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (ID)

I have had the US Bank Cash + credit card for many years. Under the program terms, consumer must select categories for 5 % and 2 % rewards. Under their disclosure, Fast Food is a 5 % category. XXXX 's appears under the list of " merchants in this category ''. See attached document. For several years, I kept wondering why I was only getting 1 % for my purchases at XXXX 's. I conducted a test during the month of XXXX, 2017. I had two charges at XXXX 's ( {$12.00} and {$17.00} ) for a total of {$29.00}. When I reviewed my statement, I noticed that I received XXXX ( 1 % ) instead of {$1.00} ( 5 % ). This has been going for years. I have brought this to the attention of US Bank several times. I believe that they should either change their advertisement to reflect that XXXX 's is not a 5 % merchant or credit my account with the additional reward amounts. Several times the Bank has promised to research and resolve this with either option outlined above ( change advertisement or credit additional rewards ). The money involved is not large, but my guess is that there are a significant number of people affected by this. The print key submitted is from today ( XXXX XXXX, 2017 ) so US clearly is continuing this deceptive practice.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing today to contest the negative entries on my credit report. 
Regarding the requirement for documentation, I discovered that my local law enforcement office no longer handles such cases. Instead, they directed me to file a report on the website XXXX I have followed this guidance and have also informed my bank, which has committed to removing the items but requires your assistance in the process. I am including these reports with my letter to support my claim. 
The listed accounts below do not pertain to me and must be removed or blocked : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Consumer complaint received 2023-04-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (CA)

This is my follow-up 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 Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022
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. (GA)

" Your agency is in violation!

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.

Delete this at once! XXXX XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX {$2000.00} XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

The name of the account XXXX XXXX  The amounts : {$580.00} and {$1000.00} Original Creditor : XXXX XXXX XXXX The accounts were reported on XX/XX/XXXX Please delete the debt is not mine XXXX medical debts ( Amounts of {$1000.00} and {$580.00} ) were added to my account by XXXX XXXX XXXX agency, Upon reviewing the details of the alleged debt, it became evident that there had been a mistake or confusion regarding the ownership of this debt. As of the time when this debt was incurred in XXXX, I did not possess a XXXX XXXX XXXX which further confirms that I could not have been the individual responsible for the medical services or expenses in question. I disputed the debt with the XXXX credit bureaus ; XXXX and XXXX have deleted the debts but Equifax didn't remove the debt. Furthermore, I have meticulously reviewed my records and have found no evidence or documentation indicating any association with the medical facility or services referenced in the collection notice. There appears to be a clear discrepancy, and I am confident that this debt does not pertain to me. I have since contacted the collection agency and demanded they send proof that shows the debt belongs to me, but they didn't provide that. 

This is XXXX XXXX XXXX response : Our office is in receipt of the complaint filed by XXXX XXXX XXXX. We greatly appreciate this opportunity to respond. The consumer disputes XXXX debts that our office is collecting on behalf of our creditor-client. We have updated the files with the consumers instruction to cease. We trust this resolves your concerns.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

Equifax suggested I dispute my incorrect address and send in current/valid information. On XX/XX/2024, I disputed the information and provided a current copy of my driver license ( with my current address ), my Social Security Card and copy of my current/non expired United States Passport .
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
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. (IL)

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following concerning the individual about whom the report relates. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a credit card account with Bank of America in XXXX of XXXX. When payment became due in XX/XX/2022, I provided them with my checking/routing account number. They claimed the payment method was setup. Instead, they returned payment two months in a row and said there was an issue with my bank. It turns out, there was no issue with my bank, but instead Bank of America reps took down my checking account/routing number incorrectly ( this occurred two months in a row ). From there they proceeded to report delinquent payments which are showing up on my credit report.
Consumer complaint received 2024-04-02
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. (PA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.