davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

My account with was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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.

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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

To the Consumer Financial Protection Bureau ( CFPB ), The following accounts listed on my credit report have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically my right to privacy and confidentiality as outlined in 15 U.S.C 1681. These accounts were reported without my consent, and they violate multiple sections of the FCRA : List of Accounts Violating My Rights : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX. XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Violation : Unauthorized reporting, inaccurate credit usage. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Violation : Unauthorized reporting. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Violation : Late payment inaccurately reported. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Violation : Inaccurate balance reporting. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX  Violation : Unauthorized collection reporting. 
XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX Violation : Unauthorized reporting. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Account Number : XXXX XXXX Violation : Unauthorized collection reporting. 
________________________________________ These accounts violate 15 U.S.C 1681 as follows : 15 U.S.C 1681 Section 602 ( A ) - My right to privacy was violated by these unauthorized reports.

15 U.S.C 1681c ( a ) ( 5 ) - Adverse information more than seven years old is being reported.

15 U.S.C 1681s-2 ( A ) ( 1 ) - These accounts were reported with inaccurate or unauthorized information.

Please address this issue by taking immediate action to correct these violations.
Consumer complaint received 2024-10-01
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)

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 2024-10-01
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all fraudulent activity off my credit report as it is hurting my ability to obtain credit. Thank you
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (FL)

I am writing to make a final demand for the deletion of the inaccurate and invalid collection account from my credit report. Despite my multiple previous disputes, this collection account remains on my report, which is unacceptable.
Consumer complaint received 2024-10-01
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. (PA)

XXXX  {$2500.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-10-01
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. (PA)

XXXX XXXX XXXX This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has an account listed on my on credit reports that dose not belong to me. i advised them that this account was not applied for by me. i never signed or used this card., I have mailed them XXXX different letters demand that this account be remove fro all XXXX of my credit reports. i requested copy of the the application and proof of debt. I sent debt validation. I have never had .OR APPLIED FOR THIS CARD. THEY HAVE NO COPIES OF CHARGES BECAUSE I NEVER APPLIED OR RECEIVED. 

I SPOKE XXXX XXXX XXXX # XXXX IN THE ESCALATION DEPARTMENT HE CONFIRM THAT NO CHARGES WERE MADE ON THE ACCOUNT
Consumer complaint received 2024-10-01
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. (PA)

XXXX XXXX {$1200.00} XXXX XXXX  {$720.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX XXXX, which appears on my credit report. Upon reviewing the reports from TransUnion and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues Inconsistent Reporting Across Credit Bureaus : The Date of Last Activity is reported as XXXX by TransUnion and XXXX by XXXX. These discrepancies violate the FCRA 's requirement for consistent reporting. 
The Account Status is described differently : " Collection account '' ( TransUnion ) vs. " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' ( XXXX ). 
Failure to Reflect Account Transfer Accurately : XXXX lists the account as " Transferred to another lender, '' but this status is not reflected in TransUnion 's reporting. This creates confusion and violates the FCRAs standard of accuracy and uniformity. 
Vague and Misleading Account Status : Both bureaus list the account status as " Indeterminate, '' which is vague and noncompliant with FCRA standards requiring clear and accurate reporting. 
Collection Account Reporting with {$0.00} Balance : The account is reported with a {$0.00} balance while simultaneously labeled as a " Collection account '' or " Seriously past due. '' These contradictory statements mislead creditors and reflect inaccuracies in reporting.

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, account status, and remarks, across both credit bureaus.

Update the account to clearly reflect its final status, such as " Transferred, '' " Closed, '' or " Settled. '' Remove the " Collection account '' or " Seriously past due '' designation if the balance is {$0.00}, as this contradicts the accounts resolution. 
If these corrections are not made within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider taking legal action for damages caused by these reporting violations.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collins Asset Group, LLC (GA)

Date filed XX/XX/XXXX for the amount of XXXX. Civil suit paperwork was served to my husband on XX/XX/XXXX. 

The civil suit was served on XX/XX/XXXX through the XXXX XXXX XXXX XXXX. I have not rec 'd any request for payment or any notification prior to this. The entity that is listed as the Plaintiff is completely unknown to me. The paperwork shows the original loan company is listed as XXXX and I am not familiar with them. The interest rate on the paperwork shows 39 %. With a original loan date of XX/XX/XXXX. 

I have undergone XXXX XXXX XXXX XXXX XXXX  so my memory is not good at this time. I am currently on Social Security Disability and age XXXX. I recently lost my XXXX so that has effected my memory. 

Please advise me as soon as possible. Thank you in advance. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am not liable for this debt with XXXX XXXX XXXX. I do not not have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (AZ)

Since approximately XX/XX/year> I am repeatedly called almost daily by Receivables Management Partners automated system about a debt that is not owed. I have spoken to their company representatives since that day, and also filled in the information in their online portal to dispute the debt around XX/XX/XXXX. Most recently today I spoke with someone named XXXX who said they would not contact the creditor to verify the accuracy of this account. And the only thing they can do is stop the phone system from calling me. Today I have informed them in their website access that any further communication from them, aside from verifying this account is deleted, will be considered further harassment and I will take legal action
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am requesting a validation of debt and accuracy. I am requesting validation of these account because I believe these accounts are inaccurate. I am requesting any and all documentation of these accounts to validate when were theses accounts open, close, balance, payment dates, status, etc. 

BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. ... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$36000.00} Status Open. {$11000.00} past d... 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25000.00} Status Account charged off .... 


XXXX MORTGAGE XXXX Date opened XX/XX/XXXX Balance {$190000.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. ... 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off...
Consumer complaint received 2024-10-24
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( 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. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.