davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

This is XXXX XXXX XXXX and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

XXXX. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I have disputed inaccurate and non-mine information on my credit report, but my consumer rights appear to be ignored. This situation has negatively impacted my ability to secure approvals, affecting my family and me. You are required to conduct a reasonable investigation into the items presented by consumers.
Consumer complaint received 2024-08-30
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. (GA)

I request my credit report and notice that several of my account were not reporting correctly .I immediately file a dispute for those account which was not resolved as requested. XXXX XXXX
Consumer complaint received 2024-09-25
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. (NY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-25
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. (CA)

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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-25
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. (NY)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-09-25
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)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-14
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. (SC)

On XX/XX/scrub>XXXX XXXX XXXX  it shows that XXXX XXXX XXXX XXXX  made an Hard Inquiry on My Credit Reports without Equifax, XXXXXXXX XXXX XXXXXXXX without my consent. I even have a Fraud Alert on all my Credit Bureaus, they still allowed them to pull it even with the notification listed stating that I had fraudulent activity and notified the Company & the Credit Bureaus that it was obtained Fraudulently without my consent and Requested that they Remove the Inquiry the same as Ive had to do regarding 3 other Hard Inquiries, along with accounts opened w/o my consent & they were Removed, but after nearly 2 months Ive still been unable to get the Credit Bureaus to remove the Hard Inquiry or get the Consumer to remove it. I have 5 Credit Cards with this Company which is the Max Allowed & I Never applied or requested my Credit be pulled again, but like the other companies, they pulled a Hard Inquiry dropping my Credit Score & preventing me from obtaining higher credit limit increases that I was about to receive & was denied because of this Hard Inquiry Ive disputed like the previous ones & nothing I do will get it removed & I NEVER REQUESTED FOR THEM TO OBTAIN MY CREDIT REPORT LIKE THEY DID ON ( XX/XX/year> )! Please Help Me Get This Inquiry Removed From My 3 Credit Bureaus, as its preventing me from obtaining credit limit increases on accounts Ive had from XXXX XXXX XXXX  & Ive never been late on any of my Credit Cards I requested & this Inquiry has dropped my Credit Score nearly XXXX XXXX & its destroying my Credit History having this Hard Inquiry that was OBTAINED FRAUDULENTLY & WITHOUT MY CONSENT!!! PLEASE HELP ME DO WHATEVER POSSIBLE TO GET THIS REMOVED FROM MY 3 CREDIT BUREAUS!!! Im begging for your help because even with a Fraud Alert Added, a Notation about the Fraudulent Activity thats occurred, & a request noting not to pull my credit without my consent, all 3 Credit Bureaus allowed the Hard Inquiry XXXX XXXX XXXX XXXX XXXX  pulled this Hard Inquiry on XXXX XXXX XXXXXX/XX/year> as I stated w/o my consent & Done Fraudulently w/o ever obtaining my consent!!! AGAIN, PLEASE HELP ME GET THIS HARD INQUIRY REMOVED DUE TO IT BEING REQUESTED & OBTAINED FOR THE PURPOSE OF OBTAINING A CREDIT CARD FRAUDULENTLY WITHOUT MY CONSENT!!! Thank You So Much For Any & All The Help & Assistance You Can Offer In Getting It Remived From All 3 Of My Credit Bureaus!!! Have A Blessed Day!!!
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

The collection agency never spoke with me about debt.

The collection did not notify me by mail/or electronically about the debt.

I have not received a debt validation letter from the from the collection agency.

My report from collection agency does not have the payment history of the debt from original owner.

or at all.

The credit report does not show original date of opening.
Consumer complaint received 2024-08-14
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. (LA)

Im writing regarding all negative reporting accounts. Please remove all negative reporting accounts.

It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures.

According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX Ive attached my Drivers License along with utility bill, and SS card for verification. 

Anticipating positive results on your behalf.
Consumer complaint received 2024-08-18
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 am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-18
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. (NV)

I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-17
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. (NC)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the fair credit reporting act XXXXt account # XXXX with XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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.
Consumer complaint received 2024-08-27
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the collection account reported by XXXX XXXX XXXX  for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. **Lack of Debt Validation** Under **15 U.S.C. 1692g** of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXX. **Lack of Assignment Contract** Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.
Consumer complaint received 2024-08-15
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. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-17
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. (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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-08-14
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. (FL)

On XX/XX/XXXX, While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

I asked both agencies to produce documentation showing permissable purposes for said inquiries per Fair Credit Reporting Act Section 1681 ( b ) ( c ). A resolution has yet been made
Consumer complaint received 2024-08-17
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.