davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report. 

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer. 

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer. 

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter. 

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice. 

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.
Consumer complaint received 2023-10-06
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. (LA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Upstart Holdings, Inc. (CA)

Voluntary Surrender Agreement ' Dated & signed XX/XX/XXXX Notice of Our Plan To Sell Property from Upstart Dated XX/XX/XXXX Last conversation with Supervisor XXXX? ( No Name ) stating that I needed to contact the CARS repossession team at XXXX because Upstart had no knowledge of my cars sale? And that CARS could keep my XXXX XXXX XXXX indefinitely, but I would still be responsible for the full amount owed of loan & charge-off? 

I was also told by XXXX ( Upstart ) on XX/XX/XXXX that if I wanted to avoid the CHARGE-OFF on my credit, that I would have to pay a {$350.00} fee? None of this information is stated in my Voluntary Surrender Agreement or was I told that prior to agreeing ( due to poor health ) to relinquish my car? 

I literally feel like they stoled my vehicle & are taking advantage of me, because I'm having XXXX & XXXX XXXX & I can't fight back?
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting an alleged late payment from 2019 to third parties, and this information is inaccurate. I have requested that this information be removed on several occasions via phone and letters. If XXXX XXXX believes that this information is accurate. I'm requesting to be provided with proof in accordance with UCC 9-210 " Request For Accounting ''. Account statements will not suffice.
Consumer complaint received 2023-10-06
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX
Consumer complaint received 2023-10-06
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)

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you XXXX bless
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I wrote to Experian and asked them to send me a copy of my XXXX mothers credit report. I told them there will be no probate of my mothers estate. On XX/XX/XXXX, Experian responded with a form letter saying that they wont send her credit report unless I send them a signed, sealed, and stamped court document stating that I am the executor of her estate. 

To state this as clearly as possible, I told Experian there will be no probate and they responded by asking me for a probate document. If this werent so absurd, it would be funny. So how do I get a copy of my mothers credit report from Experian? 

I understand and appreciate that Experian wants to keep my mothers information from falling into the hands of identity thieves. To that end, I provided Experian with a certified copy of XXXX XXXX XXXX, a copy of her will which names me as the executor, a copy of my drivers license, a copy of the first page of my Experian credit report, dated XX/XX/XXXX, and later another copy of the first page of my Experian credit report dated XX/XX/XXXX. Why isnt this sufficient to prove that I am not an identity thief? 

Both XXXX and XXXX sent me copies of my mothers credit report. I handled it exactly the same way with them as I did with Experian. I wrote them the exact same letter, included a certified copy of the death certificate and a copy of her will, a copy of my drivers license and a copy of the first page of my most recent credit report. Neither of them insisted that I go to probate court to get a court document. 

I cant be the only person who has requested a copy of a decedents credit report when there is no probate. There must be lots of people in the same situation. 

I am not going to go through the cost and expense of probate just to get a copy of my mothers credit report. That would be absurd. It appears that Experian is saying that unless I put my mothers estate through probate, there is no way they will provide me with a copy of her credit report. Is it legal for Experian to do this? 

I tried calling Experian twice ( once in XXXX and once in XXXX ) and I was unable to find any option that connected me to a human being. I have written four letters to Experian. Their four replies were pro forma, irrelevant, dismissive, meaningless, and unhelpful. In short, they have refused to honor my request.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I want to present my disputes with Experian because I believe that the accounts are not being reported with correct information, but they have denied me my right to present them, according to them they give me options where I can enter my disputes but XXXX does not let me register them, I sent them my letter and they responded refusing to investigate, I went to their website and they told me that I can not register it through their page and they forced me to call but at a time that I do not have because I work, and because the time I called I did it on my lunch break from my job and they transfer me from one operator to another and that takes more than 30 minutes, this is very stressful and they are denying me my right to dispute incorrect information. I include the letters and evidence of the attempts I have made to dispute.
Consumer complaint received 2024-09-05
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)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2023-10-06
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. (FL)

I am writing to formally dispute and request the correction of inaccurate information on my credit report, which I initially brought to the attention of Experian on XX/XX/XXXX. Despite the passage of time, Experian has not provided any response regarding this matter. I believe that this unresolved issue is in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request your intervention in ensuring its resolution. 
The following details the inaccurate information and the necessary corrections : XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$14000.00} ) : Experian is reporting this account incorrectly. I strongly disagree with the reported balance of {$14000.00}, as I distinctly recall the balance being lower. Furthermore, I request the removal of any information regarding the XXXX XXXX amount, as this account is closed and charged-off. Given that my credit score is significantly impacted by changes to my accounts, I also request that Experian marks this account as disputed to prevent any further negative influence on my credit score. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ) : The information presented on this account requires thorough investigation. I acknowledge the original creditor as XXXX XXXX XXXX XXXX, but I have not received any communication from XXXX XXXX regarding this debt. Furthermore, the reported balance of {$1400.00} appears inflated and inaccurate. I do not recognize this amount and firmly believe that I owe a lesser sum. Due to these discrepancies, I dispute the entirety of this account and insist that Experian verify the following dates : Date Opened and Date of First Delinquency.
Consumer complaint received 2023-11-01
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. (CA)

In accordance with the Fair Credit Repo XXXX rting act child support Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Un-authorized inquiries 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 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 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is failing to provide me accurate and true statements from XXXX and XXXX. Bank closed on my twice for my checking and savings and I have proof they e committed theft and fraud with both previous accounts checking and savings and made up transactions not valid as confirmed with XXXX XXXX XXXX transactions from XXXX, XXXX in XXXX, XXXX in XXXX, XXXX and XXXX in XXXX, checks returned not deposited but also debited from my checking account also in XXXX. For XXXX Ive confirmed with XXXX and XXXX they were never paid as the bank claims they have. My money has not been refunded back to me since the account got closed in XX/XX/XXXX. The bank also fails to provide a statements for XXXX since I opened with them on XX/XX/XXXX with {$800.00}.
Consumer complaint received 2023-10-06
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. (CA)

Hello my name is XXXX XXXX. I am requesting that the items i have uploaded circled in red to be removed from my report as they are older than the statute of limitations of 7 years. The account in question is XXXX XXXX XXXX and is too old to be reflected on my report. My other reports have removed this item and I am requesting this item to match all reports.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (MI)

I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

As I asked Citi credit card company why they closed my account they informed me that it was because one of my automatic payment got declined. I tried to explain to them that because of a fraudulent transection on my account my Citi checking account was placed on hold. As a result, automatic payment got declined. I further told them that that was the first time ever happened to my account and I have never missed any payment not even I was late to any payment. After all the explanation they did not change their decision, which eventually impacted my credit score to significantly go down. Even though, Citi bank let me open a new checking account, unfortunately cit credit card still did not change their decision. I believe, with all those excellent payment history it was completely unjust to close down my account just for one declined payment, which was not even voluntary. As the Citi credit company new that it was because my Citi checking was placed on hold for a fraudulent transection. for this reason I want my account back asap. thank you.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2023-10-06
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. (IL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX