davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

I called XXXX XXXX to make my XX/XX/XXXX payment XX/XX/XXXX. They said they would only accept 2 payments not one. They also said if I waited until XX/XX/XXXX, then I would have to pay 3 months. I was in a motorcycle accident XX/XX/XXXX and I am still not able to walk. I will have my last XXXX hopefully in XX/XX/XXXX. With all my bills, I had fallen behind but was trying to catch up one month at a time but to no avail. Also, after being late for one payment, they deny internet access to my account. The only way to pay is via snail mail or pay them a {$20.00} convenience fee PLUS my monthly mortgage via phone..
Consumer complaint received 2023-12-11
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. (MI)

I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX. I contacted XXXX, TransUnion, and XXXX several of times to address this issue, which involves an account displaying incorrect information.

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation.

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing. 

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question.

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA. 

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.
Consumer complaint received 2023-08-30
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. (MA)

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
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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. (NE)

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (TX)

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, Transunion, and XXXX that a thorough reinvestigation into these accounts is imperative. 
Account name : XXXX ACCT # XXXX Account name : XXXX ACCT # XXXX Nevertheless, they affirmed that all aspects were duly fulfilled and precise. Yet, one can not help but wonder how such a feat is possible when crucial details like the commencement date, the date of the latest activity, and numerous other factors are blatantly incorrect. As per the provisions outlined in 15 USC 1681 ( 5 ), it is incumbent upon them to rectify any accounts that are erroneously reported.

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.

I have evidence to prove my case
Consumer complaint received 2023-08-30
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. (KS)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-30
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I am filing a complaint against Capital One regarding inaccurate reporting on my credit report. The discrepancies involve the reporting of an account as charged off while also showing a monthly payment amount, which is misleading and inconsistent. 

Basis of the Complaint : XXXX. Inconsistent Reporting : The Capital One account is reported as charged off, yet a monthly payment amount is indicated. This dual reporting is not only confusing but also violates the Fair Credit Reporting Act ( FCRA ). 
XXXX. Legal Violation : I believe Capital Ones reporting violates the FCRA, which mandates accurate and fair reporting of consumer credit information. The conflicting information negatively impacts my credit report and financial standing.
Consumer complaint received 2023-12-10
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. (SC)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2017-12-04
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. (TX)

I was recently made aware of a derogatory account on my credit report from a XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XXXX and that I had never received a bill for the amount in question. I also filed disputes with both Experian and XXXX to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was staying at a place called XXXX XXXX XXXX located in XXXX Fl. XXXX XXXX XXXX is a property of XXXX XXXX. I was making payment online through their website for the rental I was renting. I made several Payments monthly from XX/XX/2022 through XX/XX/2022. I was using my debit cards from 2 different Bank of America accounts depending on which account the funds were available in. On XXXX or XXXX the day was our last day in the RV park as the unit was being rented out after that. I had gathered everything and had expected to see a final bill and what was owed after a walk through of the unit was completed. Nothing was received, instead a payment was taken directly from the account with no communication. The woman had called my parents but not my number directly. I disputed with Bank of America as they advised they would research and get back to me with in 30 days. I advised that I had not input my cc number on file to be saved, did not authorize the final payment and everytime I made a payment through the online system I always entered all CC info EVERYTIME as it was never saved! I disputed the charge as Bank of America advised it was legit. well of course but that was not Right of the RV park to take a payment that was not authorized nor was it right that no communication was directly with myself. 2 business in the wrong. And as it appears why and how would my information be available that they were able to process a payment? Is there software saving info with out knowledge and consent by the customer? Are they recieving full CC details on statements? How safe and secure was my information! In addition the woman ( XXXX XXXX ) the assistant Office Manager was or possibly still is also a Mortgage Specialist II for Bank of America. That would be abuse of powers and if she had connections still she was able to pull all bank details including my Debit Card info and able to see what was available. VERY SHADY! My information was not authorized no consent was given and I truly believe that there are laws and violations that have occured and yes the debt was owed but never verified and confirmed and the payment was taken with no authorization and finalization consent. I believe that my information data has been breeched and i would bet that I am not the only one. Someone has/had access to see my full banking information! Date XX/XX/2022 {$1400.00}
Consumer complaint received 2023-12-09
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)

XXXXXXXX XXXX  was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. Bow they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with XXXX PROOF AT ALL. 

It's OVER XXXX XXXX XXXX, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist
Consumer complaint received 2023-12-12
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-10
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. (IL)

The account below showing on my consumer report is not valid, I am requesting that these accounts be removed asap. I did not provide written permission or instructions for my identification to be reported to my consumer report. I am requesting that the reporting of this information be block and removed, My request to be is not being made in error nor is my request to block being made on a material of a misrepresentation of fact by me relevant to the request to block related to any transaction by me as a consumer. I never signed a XXXX form or XXXX giving permission to use my SSN, I have attached all verifible government documents to prove my identity and am hopeful the company will do the right thing and remove these accounts and inquires within 4 days from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I included ID, SSN, Affidavait and LETTER ATTACHED
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IL)

On XXXX XXXX a charge was taken from my Indiana XXXX debit card. I notified them of this charge and took all the precautions to dispute the transaction. I can not speak to any representatives, Ive been on hold multiple times each over 30 minutes this is ridiculous. I have to report my card as lost or stolen to even have an option to speak to a real person. I currently still do not know what is happening with my case or money {$23.00}. Yea its just XXXX $ but its my childs money for XXXX and no money is available so my child misses out. XX/XX/XXXX
Consumer complaint received 2023-12-09
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 am writing to officially dispute information within my consumer report, as provided by your agency. Upon reviewing a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent, potentially violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was not provided with an opportunity to opt-out, as required by law. 

Upon reviewing the report, I noted that certain accounts are being reported without my explicit written consent. I want to clarify that my dispute lies not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. 

Referring to 15 USC 1681b - Permissible Purpose, which mandates consumer written consent for the reporting of personal information, I have not provided such written consent. I kindly request that you provide evidence of my consent to ensure compliance with this legal requirement. Failure to furnish proof of my consent may be interpreted as a violation of my rights under the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ), and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may potentially constitute a violation under 18 USC 1028a, resembling a form of identity theft. 
In accordance with 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert my right to a fair and accurate credit reporting process, and I believe the prompt removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records proving that I was provided with the option to opt out of the information being reported in my consumer report. This request is essential to ensure your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with the provisions of the FCRA may result in further legal action.

Thank you for your immediate attention to this matter.