davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received several calls for XXXX XXXX with no message left. I called them and was told I had a balance due of {$130.00}. Paying this today would bring the balance off. I stated to the representative I never received any statement from XXXX XXXX since my purchase in XX/XX/XXXX. That my email addres and phone are correct, but no one has previously reached out to me or mailed me a statement. 
I made the payment on line using my XXXX card and paid {$130.00} at XXXX PM XXXX. The confirmation email I recieved confirmed the payment coming out of my account on XX/XX/XXXX. Email confirmation stated the next business day it would be posted XX/XX/XXXX, if I had paid before XXXX. I paid XXXX PST, which is XXXX XXXX EST. Well before the XXXX cut off time. 

I wrote a note to the agent on line, stating once again I never received the statement. Have always paid my bills in full previously. I have worked very hard to make everything is paid up on time. At XXXX PM the agent took off the {$29.00} late fee from the account. That leaving the balance at {$110.00} For some reason, then reversed my payment of {$130.00}. I would have had a {$1000.00} balance on my card. Instead they added {$40.00} in late fees on XX/XX/XXXX and {$3.00} interest on XX/XX/XXXX. 

Now I am told I owe {$150.00}, with {$61.00} past due on my account. I paid in good faith on XX/XX/XXXX this was settled. XXXX XXXX, its affiliated banks and XXXX XXXX have reported my lateness to the credit bureaus. I did what was asked to pay my bill in full. They choose to change the rules after doing so. I paid in good faith to clear up my account. I only just received a stated from XXXX XXXX on this new payment. I have written Experian and XXXX XXXX Corporate as well as the Inspector General of the US Postal Service, as I have had much of my mail not forwarded from a previous post office box in XXXX XXXX or my home to my new mailing address. I never recieved my ballots, and money orders missing in the mail. 
I have documentation to XXXX XXXX and Experian. New statement information on XXXX XXXX shows they reveresed the charges after I paid them and then billed me more late charges and interest.
Consumer complaint received 2024-10-31
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. (CA)

There are four incorrect items on my report XXXX XXXX investments is not my account. I have requested six times for validation of debt along with original agreement and my information that has not been provided. 

XXXX XXXX- I have requested over four times for a validation of debt along with original agreement and my ID verifying its myself I have not been providing any information. This is identity theft XXXX XXXX XXXX XXXX is showing late XXXX and was late for this is incorrect information. I have all the payment up-to-date and have been up-to-date for the past three years. This was also included in my divorce. This mortgage belongs to my spouse XXXX XXXX, and should be removed from my account.
Consumer complaint received 2024-09-19
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. (WI)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

US Bank reported following information to XXXX. 
Source of Information : U.S. BANK CORPORATION ; XXXX XXXX XXXX XXXX OH XXXX Reported For : ACCOUNT ABUSE REPORT IS DISPUTED BY THE CONSUMER ( S ) Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX This information or debt does not belong to me. 

US Bank is violating The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws by reporting incorrect information to XXXX and affecting my personal life and financial status. 

I request US Bank to verify the charges that caused this debt, verify those charges made by me. 

1. Provide all charges that caused this debt.

2. Provide dates, description of all these charges 3. Provide if any details of all disputes were open 4. Provide results of investigation of these all disputes of all charges.

5. Provide proof that I made those charges.

6. Provide banks policy for fraud protection. 
7. Provide if any bank policy used to cover these charges 8. Provide if this debt is charged off, provide proof of charged off action 9. Us Bank reported my address as " XXXX XXXX XXXXXXXX '' on XXXX  report, provide proof of this address being my address during banking with US Bank. 
10. If any of the information on XXXX  report incorrect, I reqjuest US bank to remove record from XXXX. 
11. If Us bank makes any updates to record on XXXX, I request US Bank to provide proof of real information that us bank updates on credit report. 
12. US Bank is violating 15 US 1981 and 15 US 1692 laws reporting inaccurate information to XXXX and violating fair debt collection act by reporting inaccurate debt to XXXX. 
13. If US Bank does not provide and answer all my complaint questions with proofs, I will file a lawsuit against Us Bank and XXXX XXXX for the alleged debt reporting and hurting my personal and financial life. 

I requ

est US Bank to investigate this complaint and respond to my complaint following all The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws properly. If US Bank does not respond my complaint in 15 days, or if US
bank does not provide proofs requested in complaint, I request Us bank to remove this record from XXXX and Us bank internal records. 

Sincerely XXXX XXXX
Consumer complaint received 2024-09-19
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. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
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. (FL)

XXXX XXXX XXXX XXXX {$390.00} XXXX recent checked my credit report after receiving a letter from XXXX stating my information was in a data breach this debt collector, engaged, an abusive deceptive and unfair practice of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign any agreement on a legal contract is signed by two parties and I did not participate in any of it more so they did not follow the proper five step validation procedure, which makes this unfair practice according to the FDCAPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I demand this company to delete this account from all three credit reporting agencies and compensate me for the violations, or I will have no choice, but to move forward with legalization attorney
Consumer complaint received 2024-09-25
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. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and Trans union immediately! 

XXXX XXXX XXXX XXXXXX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$3700.00}
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-09-25
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. (PA)

I disputed information on all three consumer reports and information such as balances and pass due were updated on these charge/off closed accounts to reflect open and revolving. For example XXXX account mentions an account opening in XX/XX/XXXX but also says first delinquency was in XX/XX/XXXX. This is a complete validation of my rights. As with other accounts there is no payment history and they were able to validate these debts. Nor did I give written consent to any company to use my credit profile or history to report incomplete and inaccurate information to any of the consumer agencies. These following companies violated my rights given to me based on ( FCRA ) 15 U.S.C. 1681. These companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD XXXX & XXXX XXXX
Consumer complaint received 2024-09-15
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. (GA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc. (KY)

MID ATLANTIC FINANCE C has flagged your account as Government / Insurance Claim on XX/XX/2022. 

Source : XXXX XXXX : MID ATLANTIC FINANCE C Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Gov Claim Insurance Claim ) Balance Date : XX/XX/2022 New Auto Loan MID ATLANTIC FINANCE C reported a new account on your Experian Credit Report. 

XX/XX/2022 MID ATLANTIC FINANCE C reported a New Auto Loan to your XXXX XXXX XXXX. 

Source : XXXX XXXX : MID ATLANTIC FINANCE C Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Balance : {$6600.00}
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am formally requesting an investigation into TransUnion for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these inquiries to be made. Despite multiple requests, TransUnion has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid driver 's license.

These unauthorized hard inquiries raise serious concerns regarding TransUnion 's compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information under 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may only provide a consumer report under specific conditions, including written consent from the consumer. Any violation of this provision not only breaches FCRA regulations but also subjects TransUnion to liability.

Here is a list of the unauthorized inquiries that have negatively impacted my credit score a
nd financial standing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not provided any entity with the authority to access or pull my credit, and TransUnion 's failure to comply with FCRA regulations has caused undue harm to my credit standing. Under the FCRA, TransUnion is required to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. I respectfully request that the CFPB investigate TransUnions practices, hold them accountable for failing to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, despite my repeated communications, including sending notarized documents via first-class mail. TransUnion continues to ignore my requests, subjecting me to ongoing psychological harassment through their unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Consumer complaint received 2024-09-19
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. (GA)

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on a previous dispute regarding inaccurate information on my credit report involving XXXX XXXX. Despite my earlier dispute, this issue has not been resolved. XXXX XXXX is still incorrectly reporting as a factoring company, when they are in fact a debt collection agency. This misrepresentation is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and truthful information be provided on consumer credit reports. 

Details of the Dispute : Creditor : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Issue : XXXX XXXX  is misrepresented as a " factoring company, '' which is inaccurate. They are a debt collection agency. 

Previous Dispute History : I previously filed a dispute regarding this inaccurate information on XX/XX/year>2024 and XX/XX/year>2024. Despite this, XXXX XXXX continues to misrepresent its status on my credit report. 

Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to ensure accuracy in reporting. By misrepresenting themselves as a factoring company, XXXX XXXX is providing false information on my credit report. 

Requested Action : I request that you immediately remove all incorrect information related to XXXX XXXX from my credit report. Reinvestigate the dispute in compliance with the FCRA and notify me of the results. 
Provide written confirmation that the inaccurate information has been removed from my report. 

Attached are the following documents to support my dispute : A copy of my credit report with the disputed entry highlighted. 
Any relevant communications between XXXX XXXX and myself. 
A copy of my original dispute letter and any correspondence from the credit bureau acknowledging the prior dispute. 

Please investigate this matter thoroughly and provide me with a written response within 30 days, as required by the FCRA. This situation has persisted despite my previous attempts to resolve it, and I expect the CFPB to take the necessary corrective actions immediately. 

Thank you for your prompt attention to this ongoing issue.
Consumer complaint received 2024-09-25
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. (TX)

I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). 
According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. 
The Fair Credit ReportingAct this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.