davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

- 15 U.S.C 1681 section 602 A Congressional findings and statement of purpose States i have the right to privacy - 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies 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.

- 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer - 15 U.S.C 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

- 15 U.S.C 1681n. Civil liability for willful noncompliance, any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Date last active, No. of Months Term, Reporting inaccurate late payments when account is charged off. 
Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : No. of Months Terms, Payment Status each agency reporting different data, Last Reported dates Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified 3 ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Account Type, Date Account Opened, Inaccurate payment history Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

Hello, To whom ever is reading this. Thank you for the time. 

Every month on the XXXX I get a charge for {$32.00}. The below information between the double ** is what appears in my credit card report. I have tried contacting experian a minimum of 5 times because I don't know what this charge is and i want to 1. Find out. 2.  Cancel it. Yet the phone number i call from my cc report and from their own website leads me to a phone menu i can not use to get in touch with a person. It asks for my account number. I don't know it because i'm not even sure what this charge is for let alone any account numbers associated with it.I attempted to sign in via the website but could not and when i requested the " i forgot my account / I forgot my password " options I never received that email to re set my password or acount. I simply want to talk to this company to know what this reoccurring charge is and I can not do that. I have tried over 5 times. 



**Experian* Credit Repor XXXX XXXX  {$32.00} Merchant Info XXXX XXXX United States  Merchant Category DIRECT MARKETING-CONTINUITY SUBSCRIPTION MERCHANTS Purchase Method Online, Mail or Phone Recurring Transaction Yes**
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
Im opting out of : XXXX XXXX : Chargeoff XXXX XXXX XXXX : Chargeoff XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : Collection account. XXXX XXXX XXXX : XXXX  XXXX XXXX  : Collection Account/Chargeoff XXXX XXXX XXXX XXXXXXXX : Chargeoff  XXXXPer the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.
Consumer complaint received 2023-10-01
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)

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. 

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 XXXXXXXX, 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 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The official street name of my address is ; XXXX XXXX, XXXX I have repeatedly requested Experian to correct my address and they have lied, insulted and refused. Their claims run the gamut from ( 1 ) your creditors gave us that address ( 2 ) The USPS verified that address ( 3 ) we are not allowed by law to change your address. 

I have lived at this address for five years : XXXX XXXX XXXX, XXXX XXXX, GA XXXX But Experian says my street name is : XXXX XXXX, XXXX I have called and talked to multiple people the last person ( XXXX, supervisor in XXXX XXXX ) was discounting, XXXX and insulting. We experienced multiple language challenges. XXXX tried to explain to me how the USPS works -- I have live in the United States all my life. Experian has the most uninformed representatives that do not take feedback and show total disregard for their US customers. 

I have spoken to and written to the USPS and they have my street name listed just the way I do " XXXX XXXX, XXXX ''. I have reviewed my creditors and none of them have the incorrect version that Experian has refused to correct. 

Experian has consistently underreported my information, incorrectly reported and not take care to be an ethical corporate citizen. I have had to put a freeze on my account just to protect myself from being impacted by Experian 's sloppy handling of my information. 

I have asked to have XXXX XXXX manager, Mr. XXXX, contact me however, I have not heard from him. The Experian representatives are unwilling to work for the consumer and therefore will argue incessantly to keep wrong information. 

Please help me resolve what should have been an easy resolution.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by XXXX that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with XXXX.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (LA)

On XX/XX/2019 I mailed a payment in the form of a money order First Class, Certified mail to First Progress in an attempt to satisfy a debt they stated I owed in the total of {$120.00} to the following address that was given to me over the phone by their company and was also reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX. On or around XX/XX/2019 I contacted XXXX XXXX to find out if they had received the payment, since I had not received a receipt or any correspondence, and a representative from their company stated that they had not received my payment. However, when I checked the tracking number it states that the letter and payment I mailed arrived XX/XX/2019 at XXXX am to a Postal Facility in XXXX XXXX, TN XXXX and was " Delivered, Individual Picked Up at Postal Facility XXXX XXXX, TN XXXX '' at XXXX XXXX on XX/XX/2019. When I questioned the First Progress representative about who may have picked up my payment they informed me that I had mailed the payment to the wrong address. I am certain that I addressed the payment to the same address that they gave me over the phone when they called to collect on the debt and the same address that was reporting on my credit report. I would like to dispute this account that is reporting on my credit report as if I still owe a balance on the account when in fact I paid the account in full.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered in XX/XX/XXXXXXXX  that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXXXXXX  for my mortgage with XXXX XXXX XXXX XXXX. 

At that time, I had a XXXX XXXX that required that I be XXXX  for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX  at multiple and extended periods between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX  as the mortgage servicer that I was experiencing a COVID-19 hardship and other complications caused by a XXXX diagnosis and subsequent extended hospitalization. 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the XXXX XXXX, I had an on-time payment history with the XXXX XXXX  XXXX XXXX  since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX, XXXX I wrote to the credit agencies requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2019-05-14
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 60 120 days past due on the SECURITY partial account numbers XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 14 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've contacted XXXX, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is ( XXXX  ) ACCT # XXXX Creditor is ( XXXX XXXX  )
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed unauthorized inquiries on my credit report. The following unauthorized inquiries are : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX ( auto finance ) -XXXX  XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-01
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. (OH)

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., has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the Following account : XXXX XXXX
Consumer complaint received 2023-10-01
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: Experian Information Solutions Inc. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.