davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-05
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. (CA)

The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX looked at my Experian XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, 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 modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-06
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-08-28
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)

Under 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 XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX, Has violated my rights.15 USC 1681 section 602a States I have privacy rights. 
15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than XXXX  years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Consumer complaint received 2024-08-28
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. (MD)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Consumer complaint received 2024-08-05
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this credit collection serv account with the balance of XXXX, I was not provided with the original contract.
Consumer complaint received 2024-08-28
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. (AL)

I am a victim of identity theft, which has resulted in multiple fraudulent entries being added to my credit report without my knowledge or consent. 3 Unauthorized accounts and 2 inquiries have been placed on my report, and I did not authorize any of these actions. 

- Inquiries : - 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 already reported this identity theft to the Federal Trade Commission XXXX FTC ) and now request the immediate removal of these fraudulent items. This action is necessary to restore the accuracy of my credit report.
Consumer complaint received 2024-08-06
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. (NV)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX 
Inaccurate Account number 
Inaccurate date opened 
Inaccurate last date active 

XXXX XXXX  Inaccurate date opened 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active
Consumer complaint received 2024-10-24
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Creditor : XXXX  XXXX XXXX ACCT # - XXXX Please be advised that Experian is in violation of multiple laws set forth by Congress in regards to the above account. 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that a person ( XXXX XXXX XXXXXXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME IS NOT REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account by Experian on my credit report inaccurate! 

By Definition, the IRS Clearly says a Cancelled debt or Charge-off as Income. 
Credit reports do not include certain other information, such as the person 's income, bank balances, employment history, medical history, criminal records, or marital status. 
The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX , whereas BANK OF AXXXX has clearly written off this debt with the IRS. Experian has been HEREBY PUT ON NOTICE that they are furnishing incorrect and inaccurate information on my credit report. 

As of today 's date, Experian is still actively reporting this fraudulent and erroneous information on my credit report.
Consumer complaint received 2024-08-06
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. (NM)

An inquiry was made by XXXX XXXX XXXX XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at my credit report.
Consumer complaint received 2024-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Total Principal Balance amounts to : {$70000.00} Total Payment Amount : {$68000.00} Current Balance Should Amount To Approximately : {$2500.00} minus or plus some interest Inaccurate Current Balance Listed on Website : {$11000.00} I have contacted Mohela upwards of XXXX times about this via website, phone call to customer service, and even through the XXXX XXXX XXXX  Absolutely no resolution has been made.
Consumer complaint received 2024-08-28
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. (IA)

I have tried calling transunion to get these fraudulent inquiries off my credit report the inquiries are fraudulent. Here is a list of the fraudulent inquiries I need removed off of my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list I put above are fraudulent inquires that I need removed from my credit report due to the fair credit reporting act
Consumer complaint received 2024-08-28
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. (MA)

This account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Account XXXX XXXX  should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my XXXX  ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

RE : DELETIONS TO CREDIT REPORT Dear Equifax, XXXX, XXXX : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened inXX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you. 
Sincerely,
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AL)

I had a collections debt from XXXX XXXX XXXX, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is XXXX XXXX XXXX. The original creditor was XXXX BANK.
Consumer complaint received 2018-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Over the past several months I have been receiving calls stating " This is Transworld Systems Inc., a debt collection agency, calling about a debt, any information provided can be used against you ... .... '' The calls never identify my by name or specify what the debt is. My credit score is over 800 and I have no outstanding debt that I am aware of. The calls all display the local ( XXXX  ) area code and when I block the number on my phone, I get another call in a couple days from a different number. I have over 15 blocked numbers for them stored in my phone at this time. The messages all say to " contact XXXX XXXX @ XXXX and refer to claim # XXXX. '' I am not about to answer or call a number which may be a phishing scam, since they have provided specific information.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was at Bank of America branch on XXXX XXXX XXXX in XXXX   Florida. I was trying to find out how long you was going to hold a check from a life insurance policy on my wife dad. I talked to XXXX the bank manager and he took me to a teller who before she even checked or found out if I wanted to deposit the check stamped it right off for deposit only to my account. And then when she checked I could only get {$200.00} right off and the other {$2300.00} would be on hold till Weds. I said that is not acceptable need the money right now. the check was on XXXX XXXX and we called the XXXX XXXX in XXXX  to be told can not cash the check since it was stamped and no check cashing place would either since it was stamped. So I go back to the Bank Of America branch on the same day XX/XX/2018 to be rudely told by XXXX  the bank manger because I was upset as your teller XXXX   me over big time stamping it right off. to be told by XXXX the bank manager when I took my hand and said your teller stamped it without my permission messing me over big time to take my check and leave his bank is this the way customers are supposed to be treated? You have lost a long time customer of your bank due to their unprofessional attitudes toward the customer and this is a customer who is fixing to at any time come into a very large amount of money and as soon as I can get my social security checks and my sons transferred into another bank that I will open up an account with am done as been treated so badly several times by your bank am done as that is no way to treat someone not even wanting to fix their own mess up or help the customer am very upset.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Experian Information Solutions Inc. (NY)

I placed an order with XXXX online witch i then bought furniture I did not receive the livingroom set sofa loveseat and chair. I bought a dining room table set with 10 chairs that i sent back due to damages but I was never giving a refund for any of these items. 

I also placed an order with XXXX and I canceled my trip but I was not refunded I called XXXX I also called XXXX XXXX both places told me there was nothing I could do. I called XXXX XXXX   with all of my information but they did nothing as well to help me. 

Charges for : XXXX {$2000.00} Charges for : XXXX {$1000.00} I also have inquiries on my report that affect my credit score and I have no knowledge of these 6 hard inquiries that hurt my credit report. I did not authorize theses inquiries and Im requesting that it gets removed from my credit report. I am a victim of identity theft I also made a police report witch I will have for future reference.