davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : This is a notice that the following account notations and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 
These are the errors that must be corrected immediately to avoid corresponding penalties : XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX  XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS XXXX DUE ; Update to PAID My latest TRANSUNION File Number XXXX 15 U.S.C. 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

The aforementioned Corporations have not provided a notice that complies with 15 U.S.C 6802 ( a ). This is a violation of consumer and customer law.

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added Do not delete the accounts referenced above, correct it so it reads PAID. Your company has violated consumer protection laws numerous times in relation to these accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws. 
If you can not procure and produce a statement signed by me allowing them to share such negative information you must remove these negative items at once. These documents should be in your possession now. You shouldnt have to contact the Corporations listed above. Without delay remove these negative notations from my consumer report with haste as my ability to contract in commerce is presently being negatively affected.
Consumer complaint received 2023-01-13
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. (SC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

Hunter Warfield, hired by XXXX XXXX XXXX has been harassing me via phone and has sent me a letter in regards to a pending litigation. I received a letter threatening me in regards to collecting a debt that has a pending litigation. The letter is dated XX/XX/2019. The hiring is XX/XX/2019. There is no debt and this is illegal.
Consumer complaint received 2019-07-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Around XXXX XXXX, I received a fraud alert from VISA with three charges on it. Two were legitimate, one was not. The charge was for {$320.00} to XXXX cell phone service. I did not order the service and didn't want it. Within a day or so, XXXX delivered a package from XXXX which contained a phone. I did not activate the phone. I tried contacting XXXX online but could get not help. The same for phone calls. I was never able to talk to a person with either. I called the local store. They told me they could not help me, I needed to talk to the main office and gave me a phone number. Again, I was unable to talk to a person. I could not find out what they wanted done with their phone. 
VISA withdrew the charge. Last week I got a letter from VISA saying the charge had been reinstated. I called to complain, explaining I did not authorize the charge, I don't even know what the charge is for, and that XXXX would not talk to me. So, they agreed to do a re-evaluation. 
In the meantime, I again tried to get in touch with XXXX online and by phone to no avail. The local store gave me a couple of numbers to call. Again, all I got was computer generated voices. So, I went to the store located here. They said they could not help me and tried calling the same numbers they gave me and could not get through. Finally, they tried a third number and got an agent to talk to me. He told me the phone had to be returned within 5 days of receipt ( which I did not know ) and the only suggestion he made was to sell the phone to someone or use it. 
Today, I received a letter from VISA stating that since XXXX showed that I received the phone they had to let the charge stand and would not look into it any further. I have never denied that I received the phone. That is not the issue. I did not order it, I don't want it, and neither XXXX nor VISA are willing to take the phone back and remove the charge.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I am contacting you for assistance with an issue that I am getting nowhere with Best Buy/CBNA. I had an account Charged-off that was paid in 2013. The account has remained on my credit report ; however, now, over the last 3 weeks, it's been reported as a new charge off on a daily basis to XXXX. Since this is an old charge-off account that has been paid, and shows up as paid, then why is it being reported as a new charge off every single day for 3 weeks? I have credit monitoring software that I use that has been showing this. Please assist. I keep getting redirected every time I call Best Buy and CBNA with no resolution. Thank you.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

I am lodging a formal complaint against Jefferson capital system. This debt collector has reported derogatory info on my three credit reports for a debt I have no knowledge of for the amount of {$660.00} from a XXXX account. I have lived in XXXX XXXX, NJ my whole life and never had service with XXXX. I never received anything in the mail from this company or phone calls to let me know about this debt. Which is a violation of the FDcpa. Debt collectors must send me a notice by mail which gives me 30 days to dispute validity of account. I am in the process of purchasing my very first home for my family and I and this account is holding me back. I am requesting immediate deletion of this errounous account from my three credit reports so I can purchase my first home. I will be filing XXXX  complaints and attorney general complaints if this account isn't deleted. Thank you for your time!
Consumer complaint received 2019-07-22
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. (MA)

On XX/XX/2017, I received an email from Attorney XXXX XXXX 's law office in XXXX XXXX stating I was a victim of the XXXX Data Breach. 

I checked my Social Security Number and DOB on the Equifax Site and it confirmed my identity and information was breached. 

I am filing a claim and acknowledged my Mass State Atty. general Class Action suit against Equifax and submitted my document to the Massachusetts State Attorney General 's Office In XX/XX/2017 XXXX XX/XX/2017.
Consumer complaint received 2018-08-07
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. (MN)

I have tried on several occasions dispusting the medical collections account on Equifax. My recent results came back on XXXX XX/XX/2018 as verified this item belongs to me. This is the same response Equifax sends without actual validating that the account truly belongs to me. No validating information has ever been sent to me that this is in fact my responsibility.
Consumer complaint received 2021-07-22
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: NCB Management Services Inc. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am a victim of identity theft. Citicards CBNA has continuously disregarded my consumer rights under the Fair Credit Reporting Act by reporting a fraudulent account to the three major credot bureaus. I tried to fix this directly with them back on XX/XX/XXXX, but they did not repond to my debt vaidation request. 

All I am asking is the following account to be removed from my credit reports, since its a fraudulent account : Citicards CBNA acc # : XXXX. Balance : {$0.00}. Opened : XX/XX/XXXX.
Consumer complaint received 2019-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

Hi There, I am wondering if I can file a lawsuit against MACY for damaging my Credit Report. I had opened their Credit account 3 months back, but I never received their Credit Card at my residental address. After a while, XXXX XXXX ( Credit agency ) notified a new account is opened and it had some balance due in it. As I never received a card, so I called em and closed the account, but they told me to clear the due at the store. I went to store and the store keeper said that account is no longer a valid and so my due is not reflecting. That's 2 -3 months back. 

Last week I got a call from their department, that there is due and interest showing up on my closed account and has to be paid. I was at rush but later by the end of the day, I called them and they admitted their mistake but told me to clear the merchandise value, but the interest wont be charged. I cleared everything right there and now the account is closed and it is now 0 balance. 

However, couple of day after, XXXX XXXX show that my credit score has been damaged due to that and is now reduced by almost 100 pts down. 

I am trying to call em up but they are not taking responsibility of it and saying they WONT reverse this. 

I am trying to purchase a house and this credit report is going to create a severe consequence and I am looking to sue em up. 

Please share your understandings. 

Thanks
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-07
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. (VA)

I AM REPEATING THIS IS NOT A DUPLICATE THIS IS A DIFFERENT ISSUE CONCERNING THE PREVIOUS ISSUES, AND LABELING THIS AS A DUPLICATE, WILL CAUSE ME TO FURTHER ACTION IN THE FORM OF A LAWSUIT IF NOT REMEDIED CORRECTLY ; I had opened a case with you all previously to try to rectify this matter and yet Transunion only partial did some type of work for previous case # XXXX, The company called XXXX XXXX for over a year has been report Bankruptcy on my credit report, which was totally false and Transunion did not verify the information and posted on my account which created a huge dang in my credit. This was not re investigated properly till after I attached information from the XXXX  system and XXXX XXXX XXXX after complaining 3 times in reference to this matter and yet Transunion is still reporting XXXX information and reporting after this company clearly shows they are lying by reporting inaccurate things to my credit report ( Bankruptcy ). Transunion need to remove this account completely they are breaking several laws. Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, you contacted us via telephone and investigations were initiated. In the interim of your investigations, we received your CFPB Complaint. As a result of the investigation, XXXX XX/XX/XXXX# XXXX removed the bankruptcy status and added the charge-off status with a balance of {$760.00}. The closed date was updated from XX/XX/XXXX to XX/XX/XXXX and estimated deletion date from XX/XX/XXXX to XX/XX/XXXX. So you telling me after Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character This needs to be completely removed and credit corrected or I will not hesitate to sue and I have all the information to do so!
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (TX)

In Accordance to the Fair Credit Reporting act everything has to be 100 % Accurate In my credit act Accounts XXXX XXXXXXXX AUTO FINANCE XXXX, XXXX BANK Account # XXXX The Credit bureau stated that my account was investigated accurately but how is this possible when the Date opened is inaccurate, the date last active is inaccurate, and The date last reported is inaccurate. This is grounds for removal they also 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more than 30 days to complete my investigation My certified mail tracking # XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

XXXX Till today ( XX/XX/2019 ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on XXXX , XXXX AND EXPERIAN XXXX XXXX credit card appears as included in bankruptcy chapter XXXX on XXXX and Experian XXXX profile. 
XXXX XXXX Credit card appears as charge off/included in bankruptcy chapter XXXX