davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally 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.

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 2021-02-20
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. (MD)

Experian is reporting fraud debt on my credit report, from XXXX XXXX  XXXX reporting for {$400.00}. This debt does not belong to me. That account does not belong to me. It is fraud activity. I have not had any dealings or affiliations with the debtors. My identity was stolen and had been reported to Experian and Identity Theft and Experian is aware of this. That company also reports a wrong number, email address, and incorrect mailing address for me. It is the only negative item on my credit report and it is fraud. Please remove from my credit report.
Consumer complaint received 2024-10-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX ACCOUNT # XXXX BALANCE : {$360.00} XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$11000.00} XXXX - ACCOUNT # XXXX BALANCE : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX BALANCE : {$390.00} XXXX XXXX ACCOUNT # XXXX {$500.00} XXXX ACCOUNT # XXXX BALANCE : {$120.00} XXXX XXXX  ACCOUNT # XXXX BALANCE : {$230.00} XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$160.00} Inquiry - XXXX XXXX Inquiry - XXXX These accounts have resulted in several hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (FL)

I dont know know this company, and they have harassed me several times ; I have repeatedly asked to them explanation of the collection and to send a letter to my current address validating the debt and explain the charges. They have not done so. I have offered to pay this debt in full if they are willing to remove this derogatory remark even though I dont believe I owe us this debt, they have however, refused to answer me after that as well. They continue to harass me without explanation or whom the original creditor was. I believe they have reported to my credit twice from different company names XXXX XXXX XXXX And Ability Recovery Services
Consumer complaint received 2021-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I've sent a request to delete the account on XX/XX/2021 to XXXX and transunion and then a demand to comply after 30 days on XX/XX/2021, there has been no action on the investigation
Consumer complaint received 2024-10-18
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. (GA)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts as followed : opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an Education Loan opened at DEPT OF EDUCATION/XXXX  on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX has violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


DEPT OF EDXXXX : XXXX The balance reported is incorrect
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2021-07-05
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: Experian Information Solutions Inc. (TX)

I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection Act. Section 401.
Consumer complaint received 2024-10-17
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-17
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)

This morning, I was devastated to find erroneous entries on my credit report for no apparent reason. I followed my usual routine of checking my credit, only to encounter sudden inconsistencies. Refreshing the page didnt resolve the issue, leaving the false accounts intact. Due to this upsetting situation, I implore you to meticulously examine the documents I've provided to prevent this from happening in the future.
Consumer complaint received 2021-02-18
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-10-18
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. (WI)

[ XXXX XXXX XXXX ] HIGHEST BALANCE {$810.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________________________________________________________ [ XXXX XXXX XXXX XXXX ] Highest Balance {$130.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________________________________ [ XXXX XXXX XXXX  ] Other {$760.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______________________________________________________________________________ I request that you provide me with validation of this debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I want to bring to your attention potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ). Medical collections are subject to strict privacy regulations, and I believe that this collection may have been reported in violation of my rights under HIPAA.

As required by law, you must provide me with the following : Proof of Debt : I demand a complete validation of this alleged debt, including a copy of the original contract or agreement that shows I am legally obligated to pay this amount.

Account History : Provide a detailed account history, including all payments made and any documentation that substantiates the validity of this claim.

Creditor Information : Identify the original creditor and provide their contact information.

HIPAA Compliance : Explain how you obtained my medical information and confirm that my rights under HIPAA have been upheld in this reporting.

You have 30 days from the receipt of this letter to respond with the requested documentation. If you fail to provide this validation within that timeframe, I expect the immediate removal of this collection account from my credit report, as it will be considered unverified.

Please be aware that any further reporting of this collection without proper validation, or any disclosure of my medical information in violation of HIPAA, will be seen as a violation of my rights and may result in legal action.

I expect your prompt attention to this matter. All correspondence should be sent to my address listed above.
Consumer complaint received 2021-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This has been an issue since XX/XX/XXXX, when Bank Of America changed their computer system for their Line of Credit statements. Since then I have spent hours and hours on the phone, sending emails, and compiling documents showing what I owe them vs what they claim I owe them. I made numerous payments that were never applied, and later shown as " unapplied funds. '' While my average monthly statement prior to this might include 8-14 transactions, their XX/XX/XXXX statement had 117 transactions ; 4 pages of Unapplied Funds, Payments posted, Principal Curtailments, and Misapplication reversals. Then they made it worse by lumping in some of these payments, etc., to where I as the customer have no idea what payments these figures represent. All that did by grouping multiple deposits together was to muddy the waters, and I do not think anyone short of a CPA could possibly figure it out, if at all. I have been given multiple " confirmation numbers '' indicating the issue has been resolved when in fact no such resolution has been accomplished. When I finally get an employee whom I am corresponding with one on one, they make all sorts of promises and commitments to assist me and fix the problem, but they never follow through. It's been a nightmare, affected my credit score, and the problem still exists. I have a 10 page summary of the chronological order of the calls, emails, etc. I believe based on the work I have done that they have not credited me with approximately {$5000.00}. Personnel tell me they will be back in touch in the next week, but take multiple weeks to reply if at all. I have had a LOC with BOA since XXXX, and have been a customer of BOA and their predecessor banks since XXXX. Believe me I would not bother you with this but I have no where else to turn. The lack of any real Customer Service on the part of BOA is off the charts. Its like they don't want to be bothered. I have 51 pages of detailed notes on every call, email, etc.
Consumer complaint received 2024-10-17
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 morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue how they got there. I always check my report, and this time, these errors just appeared out of nowhere. I tried refreshing my browser, hoping it was some glitch, but unfortunately, it wasnt. The incorrect accounts remained after I refreshed, which is really frustrating. I need the documents I sent to be reviewed carefully so I can stop worrying about this ever happening again.
Consumer complaint received 2024-10-18
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
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. (MN)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts with XXXX XXXX XXXX and XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX  and XXXX XXXX XXXX  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
Consumer complaint received 2021-02-18
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. (GA)

Problem with Equifax report MY ACCOUNT WITH EQUIFAX IS IMPACTED. I AM REQUESTING UNDER THE UNDER THE FCRA ACT TO PLEASE IMMDIATELY REMOVED THESE ITEMS There are UNAUTHORIZED and REDUNDANT inquires in my credit report, impacting my credit negatively. 
I have not authorized these inquires and they must be immediately removed from my account. 

I am also attaching the pdf version for ease : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX