davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (VA)

Dear Experian, XXXX, and XXXX The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name : XXXX XXXX wrong : Its XXXX XXXX see attached 2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. 
4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX  to XXXX  to XXXX  to XXXX  ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. i sold the house and pay off the mortgage in XXXX XXXX see attached.
Consumer complaint received 2021-08-25
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. (VA)

Dear XXXX, Transunion, and XXXX  The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name : XXXX XXXX wrong : Its XXXX XXXX see attached 2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. 
4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX to XXXX to XXXX to XXXX ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. i sold the house and pay off the mortgage in XXXX XXXX see attached.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (AZ)

I have tried to contact XXXX  XXXX XXXX  via mail and my concerns werent acknowledged. I have tried to dispute this off my credit and they refused to my the information as I have the right to privacy and I dont have an account with them.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-08-26
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. (NY)

I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax for some apparent reason will not remove old accounts, and liens fromy credit report, they have negative accounts on there such as XXXX XXXX XXXX, and XXXX XXXX repossession that is over 13, and 9 years old, they have a XXXX XXXX account on my credit 5hat they were supposed to remove, 5hey still have not done that, the bureaus policy is negative information gets removed after 7 yrs, it is beyond that and they still have not touched it, after speaking on the phone with a rude representative that stated they will not remove the items, they also have a federal loan on there beyond 8 years they have not removed yet, everytime I try 5o file a dispute they block me from doing it by saying " Dispute Not Available '' .they do this purposely in effort to keep negative information on my credit even if the items are years past the statute of limitations for credit reporting I have attached evidence to this claim and hopefully the CFPB can enforce the laws of fair credit reporting to the equifax credit bureau
Consumer complaint received 2021-08-04
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. (MN)

I tried to contact Experian about information on my FRAUD ALERTED account that is out of order. I was sent through a million phone menus - got through finally to a person who said Hello, I said hello and she hung upon me.

I have an active Fraud Alert - I see information on my account which leads me to believe there has been another breach. I can through to these morons who make it impossible to deal with them. Unless you want to buy more protection. All they want to do is sell you another exptension of services. They are not interested in servicing the consumers at all. 

How do I check on this new information which I believe is another inquiry by the people who stole my information?
Consumer complaint received 2021-08-04
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. (GA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2023-04-11
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. (NM)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
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. (AR)

" 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 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account name XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. It was first inaccurately reported as a late payment for XX/XX/XXXX  and then reported inaccurate information and removed XXXX 's late payment and changed it to XX/XX/2023 inaccurate information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-15
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: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (TX)

I have been served a notice by XXXX XXXX, XXXX that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of Orion Portfolio Services , LLC and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of XXXX and Orion Portfolio Services to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.
Consumer complaint received 2023-04-11
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. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX, CA XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-15
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. (FL)

Dear Equifax, I am writing to dispute the inaccurate and damaging information being reported on my credit report regarding my bankruptcy. I believe that your company is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by selling, transferring, and reporting inaccurate information to potential creditors. 

As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. Furthermore, the FDCPA prohibits debt collectors from using false, misleading, or deceptive practices when collecting a debt. 

I am requesting that Equifax contact the United States bankruptcy court to verify the accuracy of the information being reported. I also request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : -A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting.

-Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines.

-Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting.

-Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format.

-Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings.

I would also like to remind Equifax of their duty to report accurate information and not engage in any practices that may be considered defamation of character or misrepresentation of creditworthiness. Any such actions may result in potential legal action.

Finally, I would like to request information on the United States Bankruptcy Court 's role as a credit reporting agency and how they obtained and transferred the information being reported. I also request information on the statues and laws related to the Fair Debt Collection Practices Act and how they apply to this situation. 

Thank you for your attention to this matter. 

Sincerely, Attached information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/1978.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX, CA XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX