davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (VA)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-13
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)

I am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed below : 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
Consumer complaint received 2017-09-08
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. (OH)

Was made aware on XXXX XXXX 2017 that over 140 million SSN, DOB, address and DL profiles were stolen from Equifax. I am one of those millions. This puts me and my financial health in tremendous risk. This is unacceptable, it 's not like we have a choice not to use Equifax. Also, it was made apparent that insider trading occurred, as executives at Equifax sold shares of their company after they were hacked, but before this was made public, and this is against the law.
Consumer complaint received 2023-01-04
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : account XXXX  ( account number : XXXX ) XXXX  XXXX ( account number : XXXX ) In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2023-07-25
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 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 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Received a letter via XXXX from Bank of America, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, dated XX/XX/year> regarding suspicious activity on my account ending in XXXX. I call the phone number on the letter as follow XXXX and spoke to XXXX at Bank of America in XXXX who didn`t know the original name of Bank of America or the state where the Bank of America started business. I knew it was a scam, so I hung up.
Consumer complaint received 2024-06-26
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-25
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

My credit report shows a non existing pending balance with XXXX XXXX XXXX with Diversified Consultants acting as a debt collector. There has never been a pending balance between myself and the original creditor. I 've sent various emails ( including evidence from XXXX showing a balance of XXXX dollars ) and make several phone calls with no response
Consumer complaint received 2024-03-26
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. (NC)

Subject : Urgent Complaint Regarding Unauthorized Reporting of Transaction History and Late Payments Accounts reviewed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their egregious violation of consumer privacy rights and disregard for consumer protection laws, including the provisions outlined in the Privacy Act of 1974 and relevant consumer protection statutes. 

On numerous occasions, XXXX, Equifax, and XXXX have reported my transaction history and late payments without my explicit consent. This unauthorized reporting of personal, non-public information violates both federal consumer protection laws and my fundamental right to privacy. 

The unauthorized reporting of my transaction history and late payments has resulted in significant harm to myself and my family. Specifically, this erroneous information has led to denials of lines of credit for essential needs such as housing and transportation. Despite my diligent efforts to maintain financial responsibility, the inaccurate reporting by XXXX, Equifax, and XXXX has caused undue pain and suffering, as well as financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), credit reporting agencies are obligated to ensure the accuracy and integrity of consumer credit information while upholding consumer privacy rights. However, XXXX, Equifax, and XXXX have blatantly violated these laws by reporting inaccurate and unauthorized information about my financial history. 

Furthermore, the Privacy Act of XXXX  expressly prohibits the disclosure of personal information without proper authorization. By reporting my transaction history and late payments without my consent, XXXX, Equifax, and XXXX have violated the provisions of this federal statute.
Consumer complaint received 2023-07-25
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. (MD)

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

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Consumer complaint received 2017-11-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX-XX/XX/XXXX I accepted 3 student loans from XXXX XXXX in order for me to attend XXXX XXXX school in XXXX, Tx in which has closed. 

During the lifetime of these loans they have been deferred due to in school deferment and/or forbearance due to being unemployed and unable to pay money towards the loans. 

In XX/XX/XXXX I was XXXX XXXX XXXX and XXXX XXXX XXXX due to this devastating time I was unable to attend school and work. Therfore, I called XXXX XXXX ( now Navient ) to get my 3 student loans accounts in forbearance. The representative advised me that she placed a  forbearance on my account and it would cover up to 90 days of past due payments if any were reported as past due. However, once the accounts were transferred to Navient they claimed the account was not notated with this information so they began to report all 3 of my student loan accounts as past due. I have requested several times for the call to be pulled and reviewed, but Navient refused to listen to the call and investigate this concern further.
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 2023-01-04
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. (CA)

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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

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 2023-01-04
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. (CO)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2023-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Ive called Experian in reference to a medial collection that is less than {$500.00} appearing on my credit report. I was told by an agent and a supervisor that the collection can not and wont be removed until XX/XX/2023. I was advised by XXXX XXXX XXXX vendors that all medical collections should be removed at the beginning of XX/XX/2023 XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Debt - XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full. 

The XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone. 

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (PA)

My name is XXXX XXXX I need to appeal a dispute debit because I disagree with the landlord agency 's response because the past due amount and default judgment are still in the appeal process it was transferred to the superior court and I need the dispute to be reopened for XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and account the number is XXXX and to be reinvestigated by reopening the disputes for all the parties for the whole due amount for {$35000.00} and XXXX address is XXXX XXXX XXXX XXXX PA XXXX XXXX.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I applied for Chase personal credit card, approved and got the card in XXXX, then I applied for a business credit card and after approval I got my business credit card. As soon as I got my business credit card they closed all my credit accounts without any reason. So i could not even use my business credit card. I went to the branch in XXXX and they did not tell me anything. After some time same thing happened to my friend who is also XXXX and lives in XXXX. As long as I have never did anything wrong with any of my credit cards or banking accounts and never get a reason of closing my accounts I am pretty sure in the following. 
Chase bank discriminated against me, they stereotyped XXXX as prone to crime and fraud because I am XXXX and I live in XXXX and my last name is ending with XXXX letters. 
Chase treats XXXX Americans as criminals who were likely to commit fraud.
Consumer complaint received 2023-05-21
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. (TN)

In accordance with The Fair Credit reporting Act the list below has violate my rights as a consumer right privacy. 

Account # XXXX 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 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 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and was reported as such on all XXXX reports. Upon a credit pull today I see this status has been changed. This account was paid IN FULL.