davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (LA)

I am writing to formally dispute the accuracy of the information reported on my accounts, specifically Account Number : XXXX. Below are the details of the discrepancies I have identified : Account Details : Account 1 : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account 2 : Experian Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Dispute Details : The balance owed on all three accounts is reported as {$2900.00}, which I believe is incorrect. 
The reporting dates for these accounts are inconsistent with my records. 
I have previously disputed these inaccuracies, but they have not yet been resolved. I kindly request that you review and correct the following : Update the balance owed to reflect the accurate amount. 
Correct any inaccuracies in the reporting dates and account status. 
Please provide me with a written confirmation of the resolution once these corrections have been made. If you require any further documentation or information from me to process this request, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-09-29
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. (IL)

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated Metro 2 Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. As per XXXX  XXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have an additional account listed on my credit report that causes me concern. I would like the below accounts reinvestigated and removed for inaccuracies. These accounts continue to severely affect my credit rating ( XXXX XXXX XXXX XXXX ) Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Please see referenced accounts below : XXXX. XXXX XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

After opening my account and starting direct deposit, this bank then closed my account and took an egotistical value to postpone the money that I own in holding and force me to wait for a cheque to come into the mail 25 days later making all the late payment fees pile up for the debts that i have incurred. They probably want to get to have my {$300.00} opening deposit along with their fraud claims that they used against me in order to make a decision to close my account. They did all this and never informed me. I know I won't be coming back without an apology after what they put me through, wasting my time for their convenience and injustice taken out on me. I believe them to stall and wait intentionally in order to XXXX XXXX  over as much as possible to inconvenience me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate.and according to the fair credit reporting act whenever a consumer reporting agency s consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are incomplete and inaccurate. ( XXXX XXXX : acount # # XXXX ) XXXX XXXX  : account # # XXXX ) XXXX XXXX XXXX XXXX : account # XXXX ) ( XXXX XXXX  : account # # XXXX ) ( XXXX XXXX XXXX : account # XXXX ) ( XXXX XXXX : account # XXXX  ) the open date is not reporting correctly, date last active, date of last payment is not correct, closed date, balance owed, creditor type, payment status, creditor remarks are reporting inaccurate accoss all XXXX bureaus.ive highlighted these discrepancys on the most recent copy of my credit report in the files enclosed.please look in to this and help me get these negative inaccurate accounts deleted and help protect my federally protected rights.i have been XXXX XXXX XXXX XXXXXXXX the last 3 years and am trying to buy a car and a home.thank you respectfully
Consumer complaint received 2024-08-21
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. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-21
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)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. 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 and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-21
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. (OH)

I recently discovered that a student loan account from the Department of Education ( serviced by XXXX ) has been reported on my credit file, but I did not attend school during the years in question. This account is inaccurate, and I believe it is damaging my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, creditors and loan servicers are required to report accurate information. XXXX has failed in this regard by reporting a loan for periods when I was not enrolled in any educational institution. I also believe this could violate the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692e, as it constitutes false representation of debt. 

please remove the following accounts below as they are inaccurate. 

DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$2300.00} DEPT OF ED/XXXX  XXXX  DATE OPENED : XXXX AMOUNT : {$2500.00} DEPT OF EDXXXX XXXX DATE OPENED : XXXX AMOUNT : {$2600.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$4000.00} DEPT OF ED/XXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4800.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$7600.00} DEPT OF ED/ XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last month in XXXX I mailed Transunion multiple disputes letter with my name, address, and a copy of my social security attached regarding the inaccuracy of my credit reporting profile. However, Transunion did not process my dispute at all. Besides, Transunion did not send me any correspondence whatsoever regarding my disputes.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-09-13
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. (AZ)

To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report that are adversely affecting my employment prospects. This is my fourth written request for resolution, and I am demanding immediate action. Failure to address these inaccuracies promptly will result in aggressive legal action. 
Disputed Accounts : XXXX. XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates XXXX XXXX Code XXXX, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt XXXX constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXXXXXX XXXX XXXX  Account # XXXX Legal Basis for Dispute : This account reflects willful non-compliance with XXXX XXXX XXXX XXXX, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately. 

XXXX. XXXX XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates XXXX XXXX Code XXXX, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt XXXX constitutes a violation of this statute. I demand the immediate removal of this account. 

XXXX. These following address are errors never lived there XXXX simler ave., # XXXX XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

XXXX. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX Co XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-13
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. (OH)

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of XXXX XXXX and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX  XXXX {$5400.00} Date Opened XX/XX/XXXX XXXX  XXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXX 2022
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary XXXX  in my life.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

dispute letters have been mailed to XXXX, XXXX and Experian with accurate proof of payment and no action has been taken by the credit bureau to correct the inaccurate information in records to the XXXX account who reported false information. Attached to my complaint is proof of payment along with proof of the dispute letter being sent. Attached is proof of autopay being setup on XXXX XXXX as well. the payments were not late.
Consumer complaint received 2024-09-13
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. (OH)

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX  XXXX {$5400.00} Date Opened XX/XX/XXXX XXXX  XXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts 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 to be removed/updated.

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.

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!
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX