davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

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

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




XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX  days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-08
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. (TX)

Hello, I have requested for a 1099c form from the original creditor XXXX XXXX  which they denied and stated they could not find my account by my social security or birthday. From my knowledge the creditor is supposed to provide the 1099c form after placing the account under a written charged off account. Not only that, the creditor is updating my credit report agency XXXX XXXX and Experian as Charged off repeatedly every month which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the Charge off is still reporting across the board as a late payment as of XX/XX/XXXX as if the loan been charged off every month.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-01
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. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2022-07-08
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. (TX)

I, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : Equifax Information Services ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXXXXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have been at Citibank For over Several Years and During Pandemic Crisis in 2019 I had Submit to a financial Institution to Prove My addrees and was rejected Because they blocked my account online. I went to their branch in XXXX XXXX at XXXX and inform the teller that my intention is to close the account and Draw My {$600.00} Balance. The teller requested to call XXXX and I was on the phone for over XXXX hours with the Fraud prevention dept they denied me to close the account and withdraw the {$600.00} and refused even to mail me a check to the address on record which I do receive my monthly statement. Account # XXXX. I had even offered to transfer it to my saving account with them because that account is not blocked unless they will block it later.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd. (LA)

XX/XX/XXXX I, XXXX XXXX, mailed a letter to XXXX XXXX XXXX stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from XXXX XXXX XXXX. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.
Consumer complaint received 2024-10-29
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)

The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors, credit bureaus, as well as the reporting agencies on numerous occasions to request debt validation as well as a signed purchase agreements to show legal verification and full ownership of the accounts. I have yet to be provided with any of that information from either the creditor, credit bureaus or reporting agencies who have also verified the information as accurate/correct. The accounts are XXXX XXXX XXXX, XXXX, and XXXX XXXX. On XX/XX/XXXX I spoke with XXXX id # XXXX from Transunion and she told me that I would receive a call back within XXXX hrs. I never received that call back. On XX/XX/XXXX I spoke with XXXX from Transunion, who refused to give me her ID # or last name, also told me that I would receive a call back within XXXX hrs. I tried to explain to her that I would prefer another option than the call back because I never received the last one. She then hung up on me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am contacting you to dispute the reporting of two accounts by XXXX XXXX XXXX, a third-party debt collector, as outlined below. These accounts violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, which mandates accurate, fair, and complete credit reporting. 

Disputed Accounts : Account XXXX : Amount - {$910.00}, Opened - XX/XX/year> Account XXXX : Amount - {$1400.00}, Opened - XX/XX/year> Upon reviewing my credit reports, I identified the following inaccuracies and issues that warrant immediate deletion of these accounts : Inaccurate Account Status and Balance : The status and reported balances for these accounts are incorrect. These accounts were purchased by XXXX XXXX and subsequently paid for less than the amount owed. The reported amounts do not reflect this payment accurately. 

Incomplete Information : My credit report does not show the amount XXXX XXXX paid for the debt, leaving the information inaccurate and incomplete, which is a clear violation of the FCRAs accuracy requirement. This omission of critical details affects my credit standing unfairly. 

Request for Deletion : Based on the inaccurate and incomplete information present, I request the immediate deletion of these accounts from my credit report.

It is my understanding that 15 U.S. Code 1681 mandates that information in my credit file must be complete and accurate. These accounts, as reported, do not meet that requirement. Please confirm that these accounts have been removed from my report or provide a written explanation for any decision to retain them. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation of deletion.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2018-05-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (LA)

XX/XX/XXXX I, XXXX XXXX, mailed a letter to National Credit Adjusters stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from National Credit Adjusters. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.
Consumer complaint received 2024-10-28
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)

Dear To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your correspondence. I request that you provide proof and validation of this debt as required under the Fair Debt Collection Practices Act. 

Account name : XXXX Account number : XXXX  Please provide the following information : The amount of the debt.

The name of the original creditor.

Documentation that proves I am legally obligated to pay this debt.

Any other relevant information pertaining to this account.

Until I receive the requested documentation, I consider this debt disputed and request that you cease all collection activities.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-28
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. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to report that I am a victim of fraud, and I have discovered that XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the XXXX major credit bureaus, I found several inaccuracies that are negatively affecting my XXXX XXXX. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX {$14000.00} - XXXX XXXX  : {$25000.00} - XXXX XXXX XXXX XXXX {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health. 

XXXX. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts. 
XXXX. I filed a report with the local police department related to the fraud. 
XXXX. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions. 

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit. 

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly. 

-- -
Consumer complaint received 2022-07-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$35.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$47.00} XXXX  XXXX Balance : {$70.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.