davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

According to the Fair Credit Reporting Act- A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

15 U.S. Code 6803 - Disclosure of institution privacy policy.

15 U.S. Code 1681- Congressional findings and statement of purpose 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX credit card shared my credit information with a collection agency name '' XXXX XXXX '' without my permission.The account number is XXXX. I would like to remove the damages that has been reporting to my credit report.
Consumer complaint received 2024-03-03
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. (GA)

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/2024 you received my dispute regarding some transactions and late payments furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Furthermore lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required byis mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.

What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate. 
I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law. 

Delete these incomplete and unverifiable accounts and transactions from my consumer reports :
Consumer complaint received 2019-04-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have tried to work this matter out since XX/XX/2019. I filled my original complaint on XX/XX/2019 case # XXXX. XXXX and XXXX  were unable to verify the accounts and removed the identity theft. Equifax removed all but to items and closed the case stating they verified them. But, once again I ask, how can they verify them and the other two bureaus couldn't? They clearly stated that they were sending a electronic message to the unknown creditors. Which is not a investigation per FCRA and unacceptable! 
I then filed a complaint regarding the investigation process and the verification and request that the proof be provided to me, per my legal FCRA RIGHTS! On XX/XX/2019 and Equifax closed the case as a duplicate complaint on XX/XX/2019. Because of the questions I directed to them and the documents I requested. 

I filed a new complaint on XX/XX/2019 with the exact same details regarding the investigation process results, verification and proof of the verification documents and stated that the 1st complaint regarding the investigation was being swept under the rug by Equifax and they were trying to disregard the complaint, because I asked for the proof! That filing was # XXXX and I received a update that it would be another 60 days and they were sending out a electronic request. 

Which is the same thing, they aren't doing a investigation and if Equifax just completed and verified the accounts. Why can't I get the proof positive i.e original document with wet signatures binding me to the debt? If they did the 1st investigation, the documents should be on hand and very easy to mail out the documents and this case is closed! But they do not have them nor have they ever had them and are playing cat and mouse with me verses being a honest company and abiding by the LAW! 

I came to the CFPB for assistance, I understand you can't act as a attorney for me, but you can ask the question where are the documents, if you verified the accounts and why is it that the documents can't be release right away, as you have a copy of them. If you verified the accounts! 

This is well after the 30 day mark, before the 1st complaint was closed out verified. That is a removal in itself and Then a closed out complaint as duplicate and now the new complaint has received the same generic response of working on it 60 days!!! 

I am not going away and using these filings for my civil law suite case. As documented proof that Equifax has violated all of my rights, entitled to me in the process and I will request financial damages, if this matter in now cleared up right away. This is my last complaint, my next complaint will be in Local, State or Federal once I decide which court offers me the greatest victory and has the proper jurisdication. 

I have been more the patient and fair!
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (HI)

In the past, I have received debt collection notices from other debt collectors for XXXX XXXX, which is missing a letter from my name although they are similar so I keep receiving this person 's debt collection notices. In the past companies have disclosed that my SSN is one number different than the individual in question. In the past, the debt collection was from XXXX and CFPB helped with resolving the issue because the company was still sending notices after I disputed it. Now I receive another letter from Linebarger Goggan Blair & Sampson, LLP regarding unpaid tolls and penalties that are owed to the XXXX XXXX XXXX XXXX. I keep receiving debt collection notices regarding this XXXX XXXX, who is not me. This letter has a reference # XXXX and account # XXXX. The debt collection amount is {$100.00}. I would like to resolve this issue and stop receiving debt collection notices for another person debt. This has affected my credit in the past and as a service member, I need to ensure my credit is good. I have called the number on this letter and the man did not help and just I had to dispute it with proof, but I can't provide that without disclosing my personal information like SSN.
Consumer complaint received 2019-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I had a credit card taken out in my name with XXXX XXXX. I notified them I did not request this credit card ( which had already been used to buy {$6800.00} at a jewelry store in XXXX  FL ). They cancelled the card, and suggested I check with the credit reporting agencies. 
I saw the mistaken card on my Equifax report. I filed a dispute with them. I received an email saying my dispute has been resolved and giving me a confirmation # of XXXX. This was three weeks ago. Every time I try to log in to see the results, it says " This service temporarily unavailable, please try later ''. I have tried dozens of times. 
I called the customer service number XXXX. I give them my information and they tell me they can not verify my identity from my answers to the " security questions '', despite the fact that I answer them absolutely correctly. I have done this 4 times, always someone in the XXXX .... They end up telling me I need to send a letter to Equifax with copies of my email, passport, birth certificate and social security card. But they can't/wo n't give me an address. This is ridiculous! 
I'm the one who had my identity stolen, and this companies website, online chat assistance, and telephone customer service are all ineffectual. 
I have sent emails to Corporate complaining but have received no response. 
Meanwhile, they keep sending emails asking why I haven't checked the result of my dispute!
Consumer complaint received 2024-03-03
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. (FL)

I requested my credit reports that are supposed to be in protection monitoring. 
There is a lot of miss use of my credit report Why is the the credit reporting agencies running my name daily decreasing my credit score because someone within the reporting agencies are using my personal information and I want it stopped. 
I will provide all of the daily inquiries and running my name daily for their use because I cant get credit Your credit reporting agencies are using our names so we cant Someone has credit in my name through XXXX XXXX because I Applied for credit and was denied because someone else is using my name. This is how American people are used and abused by your insiders
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

As I reviewed my recent report, I have found erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/XXXX I requested a copy of my payoff loan amount, when I received it I noticed that there is discrepancy between my loan balance and the payoff amount. So onXX/XX/XXXX I talked to the Mr. Cooper 's representative about this issue, after long conversation he could not provide me any document, or convincing explanation of the extra amount of the loan payoff, he just said that this our expense amount. For your information, on year XXXX I lost my job, therefore I could't pay my mortgage payments, for my house, to XXXX XXXX , then government provided the Home Affordable Modification Program, so I applied to this program and I got qualified for it, now after nine years of paying my payments on time, for help of my family members I want to payoff this loan, but in the loan modification contract there is no mention of this expense amount of {$36000.00} dollars, that Mr. Cooper call is it, " Lender Paid Expenses ''. During my loan adjustment XXXX XXXX told me that if I don't default on my payments, there will be no penalty. Also this loan has changed few hands since it's adjustment, and now Mr. Cooper owns the loan, but they are not given me any adequate explanation or any evidence of where in our contract there is mention of this expenses. My request from Consumer Financial protection Agency is that, to help me to find out why should I pay this enormous amount for the servicer of this loan, I thought government helped us not to foreclose our houses, which could cost them to loose more money. Please let me know if you need more information from me. Thanks XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, 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. (MI)

Hello I called XXXX demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello I called XXXX  demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX my card was charged {$4400.00} when the purchase was {$440.00}. The merchant took my card, entered the transaction, and returned my card without a receipt. OnXX/XX/XXXX my statement read {$4400.00}, at which point i tried contacting the merchant, with no luck. I called my credit card company Bank Of America, and opened a fraud claim, as the amount that was reflected or input by the merchant was fraudulent. I went through the fraud process, and on XX/XX/XXXX was told that because the card was present at the establishment, it was not fraud. I asked them to reopen the case because I wanted to see the receipt with my signature acknowledging the debt of {$4400.00}. I received a call from Bank Of America on XX/XX/XXXX, saying that the case was going to be closed because again, the chip was read and that the card was present. When I inquired about the receipts, they stated that is not what the fraud department investigates, they only investigate if the card was lost, stolen, etc, even though I stated the card was out of my possession when the purchase was made, though it was subsequently returned without a receipt. They told me to open another case with Billing Disputes, which I tried to do on XX/XX/XXXX. When I called them, they told me that there was nothing I could do, other then have them reach out to the merchant for the receipts, which the merchant was not obligated to do. If there was no receipt provided within 60 days, the case would be closed. I asked them to do this, which they then came back and stated that because the CHIP was read at the establishment, they could not make this request. They said that there was no recourse for me for two reasons, one being that the CHIP was read, and two, without a receipt, they would not move forward. I was stunned to learn that the consumer has no recourse if the CHIP is read and a receipt is not obtained. I continued to say that the card was not in my possession when the merchant used it, and that a receipt was never provided. They said there was nothing I could do. I then asked them for an address because I wanted to send a certified letter as proof of acknowledgement that I had reached out to Bank of America to dispute this erroneous charge, with the possibility of litigating. They ( XXXX at BOA ) began giving me a XXXX XXXX , which certified letters can not be sent to. When I asked for a physical address to send the letter to, she said she did not have one. She continued to state there was nothing else she could do for me, that there was no address she had in which she could provide me to receive a certified letter. After much back and forth, I moved on to this course of action, submitting this to CFPB. WIth no recourse, and no help from those at BOA to resolve this issue, I am left going this route. 
The charge was {$4400.00} on XX/XX/XXXX at XXXX XXXX XXXX, NY, NY.
Consumer complaint received 2019-04-24
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. (IN)

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX is reporting an open date of XX/XX/XXXX for this account however Transunion is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General.
Consumer complaint received 2018-09-17
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: Experian Information Solutions Inc. (NY)

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.
Consumer complaint received 2023-01-27
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. (IL)

investigation/reinvestigation into every aspect of any delinquency You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and ) compliance with all XXXX reporting standards Case # XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Go Format compliance since, per the CDIA, DNP 3-4 " Any deviation I from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (MI)

I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report