davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
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. (NC)

Upon looking at my credit to monitor it. I realised so many different inaccurate items I'd like resolved. In the forms of 9 hard inquiries that are unknown to me and frankly disturbing. I called equifax but they. Never responded 2nd attempt tgru cfpb. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 AND XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries are unauthorized and without permissible purpose. Please send proof of reinvestigation methods used and wet ink signature ti substatiate my consent. I know what a inquiry is please di not insult and send a generic answer. The FCRA Said all items on credit report must be accurate. None of the inquiries have account # address phone number of furnisher attached which is required per the FCRA. Thats not complete and accurate therefore they must be removed. I do not know who to contact and i should have those information by law. FDCPA youre in violations of my privacy act also. Equifax has vowed to be a accurate data furnisher, the data on my crdedit is not accurate or authorised. This is hindering my life. Fcra allows {$1000.00} per violations. Please govern yourself. You have 30 days to respond with a copy of updated report reflecting these changes.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Lancaster County, Inc. (DE)

My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA
Consumer complaint received 2024-02-17
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: ALLY FINANCIAL INC. (IL)

This company has reported false information for months. I tried to dispute the actions with XXXX a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or XXXX to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.
Consumer complaint received 2024-02-19
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. (HI)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account NumberXXXX Please investigate and delete it from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXXXXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX Please remove from my public record XXXX XXXXXXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX My parent has the same name as me.
Consumer complaint received 2020-02-04
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: EQUIFAX, INC. (MO)

I have called on several occasions to request my student loans be updated to reflect correct payments and Equifax continues to reflect inaccurate reporting this making them incorrect. The payment history is not reflected corrected and I am not sure why. All on-time payments have been removed, dropping my payment history from 97 % to currently 30 %. When I contacted the original creditor ( XXXX  ), I was told that there was only 3 late payments reflected on my account and I haven't been late in over a year, however, Equifax continuously reflects information that is not correct which is destroying my character and limiting my ability to obtain credit.
Consumer complaint received 2018-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica (CA)

I have been disputing an unauthorized bank money transfer with XXXX XXXX ( Comerica Bank ) for the amount of {$1900.00} since XXXX of 2017. I never lost or allowed anyone to use my debit card or shared my account information. As soon as I discovered the unauthorized money transfer, I requested a replacement card and filed my first formal written dispute. 

This is a financial institution that was automatically selected for me to receive my monthly veteran 's XXXX compensation. I have filed ( XXXX ) separate formal dispute letters. Every time I keep getting a letter back from them that reads after investigating my allegation they determined the transaction " never occurred. '' This is extremely frustrating since I have spent countless hours on hold and getting disconnected many times. I have also spoken to service representative who agree that I have a claim and " managers '' have also agreed that it was an oversight from their Dispute Resolution Center. These telephone calls are all supposed to be recorded by them. 

I have all the paperwork to prove my claim. Last year I switched my veteran 's XXXX benefits to another bank. Any guidance you could provide on how to resolve this issue will be greatly appreciated.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America XXXX XXXX card recently revamped their rewards program. Essentially the way it was explained to me was that they were making the redemption requirements more stringent and only beneficial after a certain amount ( XXXX ). Any rewards withdrawal before that threshold would receive less bonus. My credit card rewards have been changed and the changes only benefit the credit card provider not the consumer. My only recourse is to pass the XXXX point threshold in order to receive my normal bonus ( that previously was available to me at anytime ) then close my card and find a card with a provider that is designed to benefit the consumer not the provider.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation (WA)

I wrote Merchants Credit on XX/XX/2021 asking them to Validate some items on my credit report pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. They were unable to validate the debt, and only tried to send verification of debt on XX/XX/2021. 

I phoned them today to follow up on this letter i recieved and they told me that they don't have to " validate the debt '' and refused to remove these items from my credit report. 

I have both letters. I would like to have these items removed from my credit report.
Consumer complaint received 2024-02-19
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. (LA)

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

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

XXXX XX/XX/2022 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  XX/XX/2022 XXXX XX/XX/2022 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 2024-02-19
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. (TX)

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

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX Date Updated : XX/XX/2015
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i called bank of america to inform them about my EDD Debit card atm withdrawls made on my debit card and it was not i who made these transactions. So i was transfered over to the fraud dpt where i made the report of unauthorized transaction totaling the sum of {$1200.00} in two different ocassions the first one on the date of XXXX XXXX for the sum of {$980.00} and then again on XXXX XXXX for the sum of {$220.00}. Again i explained to the personel from Bank of America how Ive been a victim of fraud, The next day i call so i could get some type of feedback on whats the process and how long it takes come to find out my account is closed and no one can help me because the account is closed.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My story is pretty simple. I work for the state. the program is called In-home-supportive services. I have been with them for 8 years. The month of XXXX was the longest time I ever waited for my direct deposit. It was three weeks late. Causing my reoccurring bills to over-draft my account by exactly {$170.00}. 
I had reached out several times to the customer services Center and with no feedback as to why I could not be refunded the XXXX over draft fee 's totalling XXXX. I called my XXXX XXXX attorney and they advised me to write to this Web site.
Consumer complaint received 2024-02-19
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. (TX)

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

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

On XXXX, XXXX, I received a credit alert regarding an unpaid medical balance for alleged services received at the XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX. I have never visited the XXXX XXXX XXXX XXXX facility for any type of services. I made several attempts to clarify that this information is erroneous, inaccurate, and false, and that this debt do not belong to me. Unfortunately, Central Financial Control, the collecting agency reported my name as delinquent to several credit Report Agencies with further potential damages to my credit. The information provided to these Credit Report Agencies is invalid, inaccurate, and false.
Consumer complaint received 2024-02-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : XXXX  XXXX 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I requested a copy of the 1099-C form Creditor filed with the IRS. On XX/XX/24 an letter was mailed to XXXX XXXX XXXX, certified mail and return sender ( USPSCM # XXXX ) requesting the copy of 1099- C Form.

Not only is this company committing security fraud, but they are committing tax fraud as well. While I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX XXXX XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. Why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX XXXX XXXX to send me the requested documents per my request immediately. I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues. 

They have sold this debt to a third party XXXX XXXX XXXX this is a violation ( 15 USC 1681eb.
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MS)

I checked my credit report & noticed XXXX XXXX XXXX debt collection in the amount of XXXX, I have never lived there nor XXXX XXXX XXXX. I have been identity theft & want to report Fraud