davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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. (NC)

You are in direct violation of the fair credit reporting Act ( account & Number # ) has violated serveral of my rights 15 U.S.C 1681 Section 602 A. Clearly 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 an account without my written instruction 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ant purpose Remove theses late payment and update this account immediately as you are in the direct dilatation of several laws under the fair credit reporting Act.
Consumer complaint received 2024-09-04
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Basis for dispute : Account XXXX : XXXX XXXX, Account XXXX : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Account XXXX : Digit sequence show a discrepancy. Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). Date Reported : Equifax shows XX/XX/XXXX while XXXX and XXXX show XX/XX/XXXX, Date Opened : XXXX shows XX/XX/XXXX and XXXX and Equifax show XX/XX/XXXX, Closed date : Only reported for XXXX, Last Payment : Equifax shows XX/XX/XXXX while XXXX and Equifax show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with XXXX XXXX in XXXX of XXXX. This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and fraud.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, 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. (NV)

I have been dealing with this over a year. A copy of my license and social security card along with a check book was stolen. The police in XXXX XXXX can not make a police report. In the past year my credit has been ran multiple times and every time I call Equifax they tell me that inquires are factual data. This is beyond frustrating I keep getting the run around. The FTC tells me to contact the credit agencgies. The inquires that are in question are as follows : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (NC)

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts and delete the following late payments from my report Experian, XXXX and XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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 2023-04-27
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'm never late. The Bank  agreed to update these accounts due to a family tragedy. Please update these accounts ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please correct.
Consumer complaint received 2023-04-27
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (FL)

XX/XX/2018 Text was sent with a phone number for Customer Representatives who claim to represent Hyundai, XXXX and XXXX vehicles with an attempt to collect a debt, however giving my my SS # upon request, they couldn't find anything pertaining to any debt. They requested to dig further until I halted the phone call to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX 's Finance Dept to find out more information about this and they had no clue about any debt collectors within the parameters of my SS # nor my phone number in which they informed me to contact XXXX XXXX which is the owner of the vehicle. Upon speaking with a Representative of XXXX XXXX, they didn't have any idea who this company was. XXXX XXXX  documented it as a fraudulent attempt to obtain sensitive information. 
The company in question is : " Customer Accounts '' XXXX- ( XXXX ) XXXX.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION is in WILLFUL violation under the FCRA 15 USC 1681e COMPLIANCE AND PROCEDURE aswell as under 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS. There is no LAW that requires TRANSUNION to furnish TRANSACTIONAL INFORMATION BUT there is a LAW that DEMANDS TRANSUNION TO NOT REPORT TRANSACTIONAL INFORMATION under 15 USC 1681a ( 1 ) ( 2 ) - EXCLUSION. Besides that fact TRANSUNION has been directed to perform their Fiduciary duties to exercise their GRAVE DUITES under CONGRESS LAW and perform under 15 USC 1681a ( 1 ) ( 2 ) and remove the requested accounts from my consumer report. TRANSUNION has decided to act on its own agenda and conduct itself in BAD FAITH in refuses to perform under the FCRA. TRANSUNION has instead claims they conducted a RE-investigation and has verified the alleged accounts. I DEMAND TRANSUNION under 15 USC 1681e PROVIDE ME THE EXCAT PROCEDURE IT TOOK TO VERIFY THE ALLEGED ACCOUNTS AND THE PROCEDURE IT TOOK TO MAKE SURE THESE ACCOUNTS ARE 100 % ACCURATE with names and addresses of those personally interviewed as it is defined under the term investigative consumer report. TRANSUNION has also decided to commit FRAUD against me the consumer by reporting accounts that have been CHARGED OFF and WRITTEN OFF. These types of accounts are fraudulant to report and can cause massive harm to a consumer as RULED BY COURT CASE LAW -Mund v. Transunion Persinger v. Sw. Credit Sys.. TRANSUNION is not only in willful violation under the FCRA but are also under violation under FEDERAL COURT RULING.
Consumer complaint received 2023-07-17
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

For the past three months, I have suffered from nearly constant fraudulent transactions. 

On the XX/XX/XXXX, there was a {$4.00} charge to my account that I did not intend. No charges were consciously authorized. I was attempting to get a loan, and this charge overdrew my account, which was set to not allow my checking account to overdraw. This charge, then, should have been rejected. 

I live on a fixed income, where my bank has previously stolen in excess of {$300.00} from my checking account, via a number of transactions that THEY initially identified as fraudulent. They are going to cause me to become homeless again, and these charges are ridiculous. 

Needless to say that I am extremely XXXX XXXX over all of this. I only make {$750.00} per month and I simply can't afford to be nickeled and dimed to death like this. 

I complained, and was told there was nothing they could do until the charge posted. 

In spite of the fact that there is a policy in place against levying overdraft charges when they are under {$10.00}, my account was charged {$35.00} in overdraft charges, when I didn't authorize ANY of this!!!
Consumer complaint received 2018-06-25
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)

I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM TRANSUNION AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT TRANSUNION ABOUT THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. TRANSUNION CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT TRANSUNION REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY.

ACCTS DISPUTED AND TRANSUNION REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-XXXX
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-31
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. (PA)

This evening, I was stunned to see incorrect accounts on my credit report, and I have no clue how this happened. I check my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but nothing changed. I'm really concerned about this and ask that the documents I've sent be thoroughly reviewed to ensure this doesn't happen again.
Consumer complaint received 2023-04-27
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. Please update ASAP.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.