davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: KEYCORP (WA)

I don't apply for a credit card from key bank, and I don't have any account with them, but I found the collection agency call me about late fee for my credit card payment which's I don't have I asked for the application, but they don't have any approve looks someone using my information but till now the bank ask me to pay the balance and effect my credit score. so, I'm filling this complain against the bank.
Consumer complaint received 2024-07-26
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 am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OR)

I paid the company XXXX XXXX XXXX since XX/XX/2021 my balance due and retrieve my belongings before it went to auction. I provide receipts and proof of payment. ICS credit collection refused to remove item from my records and is claiming that i owed the balance {$850.00}. The storage company has attempted to report that has been paid but collection clients services is basing on a third party to get auction list and information. This has caused lot damages and pain to my credit and has prevented me prom accede to loan for my business or get a house mortgage collection company Company : I.C. SYSTEM, INC Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Consumer complaint received 2024-09-06
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. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$2.00}, XXXX XXXX  XXXX Balance XXXX {$4.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$4.00}, XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-26
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted a dispute with transunion via certified mail ( XXXX ) which was received on XX/XX/2023 by XXXX XXXX XXXX To this day, it has been 49 days and i still have not received any updates, results or anything from Transunion. My dispute involved fraudulent accounts as well as addresses and inquiries that i have not made nor have i made any transactions. I take my credit and privacy seriously especially during these times when the Credit bureaus are the ones having Data Breaches. 

I have enclosed copies of the certified mail receipt as well as the original dispute letter. Transunion has now proved to me that these inaccurate items on my credit report are unverifiable because they would of responded as verified. 
Transunion is the only company not to respond which is unacceptable.
Consumer complaint received 2024-07-26
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans Union and XXXX have been reporting XXXX collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.
Consumer complaint received 2024-07-26
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. (AL)

I recently reviewed my credit report and noticed inaccuracies in the reporting of an account with the same bank. It incorrectly shows a late payment for XX/XX/year> on XXXX accounts, which were actually paid on time. 

Consumer reporting agencies are required to ensure the accuracy of all reported information. This account has never had late payments, as evidenced by the attached report. 

I request a thorough investigation into this matter and verifiable proof showing that these payments were late. If this can not be verified, I demand that the records be updated to reflect the on-time payments immediately. 

Thank you for your prompt attention and understanding.
Consumer complaint received 2024-07-26
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-26
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. (IL)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear Sir/Madam, I am writing to dispute a debt reported on my credit report by XXXX XXXX XXXX According to my credit report, I owe them an outstanding balance. However, I would like to clarify that I do not owe any money to XXXX XXXX, as I have never signed agreements with them or received any loans or services from them. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : XXXX Social Security Number : XXXX Debt Information as it appears on my credit report : Creditor : XXXX XXXXXXXX Account Number : XXXX Amount Owed : {$1400.00} As mentioned, I do not know about any business dealings with XXXX XXXX, and I have never signed any contracts or agreements with them. I suspect this debt may result from an error or even fraudulent activity. Please investigate this matter and remove the XXXX XXXX debt from my credit report if it is inaccurate or invalid. 

I am attaching a copy of my driver 's license as proof of my identity and address. I also request that you send me a confirmation letter once this investigation is completed and any necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
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. (IN)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
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: Experian Information Solutions Inc. (CA)

I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX XXXX XXXX PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (CA)

Debtsy, Inc is a collection agency operating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and is a " debt collector '' as that term is defined. by 15 USC 1692a ( 6 ). Debtsy intentionally and or negligently caused emotional harm to me by engaging in highly offensive conduct in the course of collecting this alleged debt, thereby invading and intruding upon my right to privacy. I have a reasonable expectation privacy in solitude, seclusion, private concerns or affairs. The conduct of Debtsy Inc., engaging in the above-described illegal collection conduct against me, resulted in an intrusion and invasion of privacy by me which occurred in that position. As a result of such intrusion and invasion of privacy, abusive practices, Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

Regarding Account XXXX I hereby notify Debtsy that I XXXX XXXX ( consumer ) refuse to pay this allege debt and wish that you CEASE further communication with me ( consumer ). Cease and desist from all form of communication including all mediums, calls, private information, fowarding my private information to any third party and cease from maintaining any and all of my personal private information on record with you. This request is pursuant to 15 USC 1692c ( c ).

Pursuant to 15 USC 1692g this debt is disputed and I request the name and address of the original creditor. 

Pay the invoice included with the complaint and exhibits have been provided. You hereby have 10 days to comply with mailing a check to XXXX XXXX XXXX XXXX, CA XXXX. If you fail to comply with the laws set forth by Congress under the Federal Debt Collection Practice Act I will pursue this Matter in Federal Court.
Consumer complaint received 2024-07-26
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)

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I 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.
Consumer complaint received 2024-07-26
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).