davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (FL)

I submitted this request to Equifax, XXXX, and XXXX. This is a request to correct a violation of 15 US Code. The information on the reports is going beyond the allowed information according to the US Code. 

XXXX XXXX XXXX ( This was sent to Equifax. Similar requests were sent to XXXX and XXXX ). 
Confirmation # XXXX Please correct the following inaccuracies on my credit report : Page # XXXX Last Reported Employment should have been XXXX  XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX. 
Page # XXXX XXXX XXXX XXXX XXXX Account XXXX is in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, which states ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Please remove information of account that as described by the US Code does not belong on the report. 
Page # XXXX, XXXX XXXX XXXX, Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX, XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX Account XXXX, this is not my account. Please remove. 
Page # XXXX XXXX  XXXX Account XXXX, this is not my account. Please remove.
Consumer complaint received 2024-09-23
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. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (GA)

I have identified incorrect information on my credit report under 15 USC 16c-2. The inaccuracies are negatively affecting my credit, and the inquiries listed were not authorized by me.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accurate Reporting ( 15 U.S.C. 1681s-2 ) : The FCRA requires that all information reported to credit bureaus be accurate and complete. If a charge-off shows an incorrect balance or omits critical information ( such as ongoing litigation ), this may be a violation of the FCRA. Creditors and debt collectors must update credit reports to reflect any changes, including account status due to litigation.

Duty to Correct Inaccuracies ( 15 U.S.C. 1681i ) : Once an inaccuracy is disputed, the credit reporting agency and the furnisher ( creditor or collector ) are required to investigate and correct any inaccurate or incomplete information. Failing to do so violates the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ) False or Misleading Representation ( 15 U.S.C. 1692e ) : If the account is under litigation, reporting a balance without disclosing the status or inaccurately inflating the balance could be considered a misleading representation under the FDCPA. The law prohibits debt collectors from providing false or misleading information about the status or amount of a debt.

Unfair Practices ( 15 U.S.C. 1692f ) : Reporting a debt inaccurately or misleadingly during ongoing litigation can be seen as an unfair practice, as it may harm your credit score and make the debt appear worse than it is. 


XXXX XXXX  and XXXX XXXX are reporting account open and with a balance.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I consumer XXXX XXXX have been trying to dispute the XXXX XXXX XXXX XXXX which status shows charge-off. I have submitted documents to the credit bureaus and this account is still on my credit dispute no known accuracy was proven. My rights are being violated as a consumer. This account can not be verifiable. If it can be verifiable please send me all documents to my address on my license attached to this file.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I, XXXX XXXX was added as a authorized user on the account and they are reporting to XXXX specifically and the other bureaus that I was the account holder. I was authorized on the account from XX/XX/XXXX until XX/XX/XXXX. The derogatory information on the account was dated from XX/XX/XXXX until XX/XX/XXXX whereas I was never the holder of the account. 

This is preventing me from refinancing my property because it has decreased my score based on the wrong reporting user versus holder and the derogatory accounts whereas I was never even authorized for use. 

the case number they provided is # XXXX and they say that it will take 90 days to resolve and I am being charged {$5000.00} for an extension of my loan until its corrected. 

XXXX  will only accept this in writing and will not correct this situation in a timely fashion. 

Can I bill them for the additioanl fees? 

post script : they stated that I must provide my social security number in writing or they will not be able to assist me. This goes against any type of privacy laws that are enacted. 

And they gave me XXXX different addresses to resolve this matter. This is ridiculous and a complete waste of time and I have had no less than 3+ hours on the phone to resolve.
Consumer complaint received 2024-10-15
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. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Under 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information on my credit report must be accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my file.

Specifically, the inaccuracies include : 1. Account Number : The account number differs from what is reported on XXXX. 
2. Date Last Active : The date last active is inconsistent.

3. Date of Last Payment : The date of last payment is incorrect.

4. Last Reported : The last reported date is inaccurate.

5. Payment Status : The payment status is incorrectly reported.

6. High Credit : The high credit amount is inaccurate.

7. Date Opened : The date opened is inconsistent.

I request a thorough investigation and correction of all erroneous information. I expect written confirmation of the resolution within 30-45 days.

Please be aware that if my request is not addressed within the stipulated time, I am prepared to seek legal action. Under FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute inaccurate and inconsistent information reported regarding the XXXX account ( account number XXXX ) on my credit report. After communicating with XXXX XXXX Executive Office, I have been provided details that contradict what is currently reported by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s2, furnishers of credit information are required to report accurate and consistent information to credit bureaus.

Here are the specific discrepancies between what XXXX XXXX alleges and what is reflected in my credit report : Date Opened : XXXX XXXX  alleges the account was opened on XX/XX/XXXX, but there are discrepancies in the credit report where it shows different dates across bureaus. 
Date Reported : XXXX lists the " Date Reported '' as XX/XX/XXXX, while Experian shows XXXX and XXXX  reflects XX/XX/XXXX. These inconsistencies must be corrected for uniformity. 

Date of Last Activity : XXXX XXXX alleges that the last purchase on this account was on XX/XX/XXXX, and the last payment made was on XX/XX/XXXX. However, the credit bureaus are reporting varying dates of last activity, which leads to confusion and potential negative impact on my creditworthiness. 

Charge-Off Date XXXX XXXX XXXX  alleges that the charge-off occurred on XX/XX/XXXX, but this information differs across credit bureaus, leading to inaccurate reporting of the account status. 
Last Payment Date : According to XXXX XXXX, the last payment on this account was made on XX/XX/XXXX, but my credit report lists differing last payment dates. 

These discrepancies are causing harm to my credit score and standing. As outlined under 15 U.S. Code 1681s2, furnishers are required to provide accurate and complete information. I am requesting that you investigate these inaccuracies, update the account information across all three bureaus, and ensure that the data is consistent with the details alleged by XXXX XXXX.
Consumer complaint received 2024-09-23
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. (MN)

I was victim of identity theft these are not my accounts XXXX XXXX XXXX XX/XX/XXXX amount {$4700.00} XXXX credit card XX/XX/XXXX amount {$450.00} XXXX XXXX XXXX XXXXXX/XX/XXXX amount {$1000.00} XXXX XXXX XXXX XX/XX/XXXX amount {$440.00} XXXX credit XX/XX/XXXX amount {$19000.00}
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (NV)

We took out a loan on XX/XX/XXXX to purchase a pivot for our farm from XXXX XXXX. They used Huntington Bank, who first took a lien on the property the pivot is on as collateral ( fine ), but also took a lien out on a neighboring property not associated with the farm for no reason. 

On XX/XX/XXXX we requested a payoff amount as of XX/XX/XXXX. They sent us an email stating {$150000.00}. We paid {$130000.00} for the pivot. Our interest rate is 7.25 % per the contract, which also breaks out the principle & interest in the annual payments starting on XX/XX/XXXX. When we inquired about the finance charges being {$14000.00} for only 12 months, they couldn't explain the calculation. Then on XX/XX/XXXX, they sent us a payoff statement stating it was {$150000.00}. We asked again for a breakdown of the calculation for the updated finance charges of {$11000.00}. They refused again. 

I called the bank and asked to speak with the person that sent the payoff quote and I was told I wasn't allowed to. The customer service agent then told me we didn't have a loan, we had a lease and we don't have principal and interest payments, just finance charges, and there's no calculation for that. 

We were presented this purchase as a loan, we were given loan terms with principal and interest, how then can we now be in a lease not to our knowledge, and why is there is a lien on properties for a lease and not just the equipment? If this is true both the company that sold the equipment and the bank misrepresented this as a loan to us, and the fact that they can't provide an explanation and a calculation of finance charges is unacceptable. We want to payoff the loan but don't feel comfortable doing so when no one can explain anything.
Consumer complaint received 2024-09-23
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. (IL)

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. For following accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (AZ)

This letter is to inform you that I have become a victim of identity theft.

Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately.

Please remove the following unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-23
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-23
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. (MI)

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I regularly check my report, but this time, out of nowhere, there were discrepancies. I even refreshed my browser thinking it might be a glitch, but it wasn't. The errors remained after the refresh. Given this issue, Im asking for a thorough review of the documents Ive sent so I wont have to worry about this again.
Consumer complaint received 2024-09-23
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)

I'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to be immediately reinvestigated. The inaccuracies are highly injurious to my credit report. In accordance with the Fair Credit reporting act. XXXX XXXXXXXX. Please provide the names and business addresses of each individual with whom you verified this account with. So that I XXXX follow up. Please send an updated report after your REinvestigation. 

Account in question XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXXXXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.