davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (VA)

I Recently, I did an investigation on my credit report which caused XXXX  XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. I made numerpus phone calls, amd letter sent on XX/XX/year>. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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. (AK)

The entire history of my reports show one account reporting adverse information to all three Credit Agencies of a 30-day late payment in XXXX of XXXX  to XXXX XXXX XXXX I have sent letters from XXXX XXXX to all three agencies and phoned XXXX XXXX about this matter and despite being continuously told that it is resolved, the late payment still tends to reappear and reflect on my report, now on all three bureaus. In the fall of XXXX, a medical day spa merchant had a system error wherein they somehow accidentally recharged their consumers for the tip portion of their service payments - months after the service had occurred. I was unaware of the charge believing myself to have a XXXX balance on a card I rarely used. XXXX XXXXXXXX XXXX emailed apologies to their customers and refunded the charges to their customers. XXXX XXXX agreed to remove the 30-day late as it was a result of the vendor error and mailed me a letter agreeing to such. I in turn mailed copies of this letter to each agency, but it continues to resurface on my credit reporting, now 5 years later.
Consumer complaint received 2024-10-11
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. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX Account XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX  if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-11
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: Experian Information Solutions Inc. (OH)

i contacted experian and them to verify some inaccurate information on my credit report. They responded and stated they did, however when i checked their were multiple inaccuracies, and invalid information. This is hurting my credit report and negatively impacting me from getting a house, student loans, etc. I would greatly appreciate if this were fix immediately.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recognize the significance of eliminating any XXXX entries from my XXXX XXXX, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is XXXX to me.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

I applied online for a new XXXX XXXX XXXX account with promo code XXXX. The terms of this offer are attached. I am also attaching the emails from Truist confirming the application submission and approval. Application Date - XX/XX/2024. Application ID - XXXX. Application Approval Date - XX/XX/2024. I met all the conditions of this offer but have not received the {$400.00} new account bonus I was promised. I had to visit a branch to sign some documents and call customer service before I was able to log in to my online account. But I did apply online making sure the promo code is attached and fulfilled all the terms of the promo code.
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. (FL)

My account with 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 in 60 days 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. 


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 8
Consumer complaint received 2024-07-22
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)

My account with XXXX was never late! I have had exceptional payment history with 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 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 months that are reported late 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 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 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: CORELOGIC INC (VI)

A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a XXXX XXXX XXXX and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XXXX XXXX XXXX  correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no XXXX XXXX XXXXXXXX XXXX XXXX or other XXXX XXXX without my written consent. I was not satisfied with the non-response from these companies.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

They took action by making daily phone calls. Here are several dates they have called me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( have much more ). Also, I have received letters and I will upload them at a later time.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

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 2024-08-21
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/XX/XXXX
Consumer complaint received 2024-08-21
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/XX/XXXX
Consumer complaint received 2024-08-21
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$9800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$130.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$460.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$9700.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX BANK # XXXX - BALANCE {$690.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On the report I have with Transunion, XXXX, and XXXX they're saying I have XXXX late payments which I should not have because I was on the phone with XXXX XXXX to confirm that payments went through and to make sure the late payments wouldn't affect me, Well now I'm trying to get out of a bad apartment complex is affecting my wellbeing and this false information these bureaus are effecting me horrendously and I not sure where they're getting their information as a lot if it is false, identity theft fraud or not even mine I have noticed this more and more and trying to take care of it y disputes and being patient as I know its not a quick process but since it's affecting to live into a place away from where I was robbed 4 times, XXXX XXXX and over XXXX, XXXX worth of XXXX belongings I need out o this place they do respect and discriminate me as I was on hardship at the beginning of two years and the manager retaliate against me. That being said it's essential that these companies report correct information that is damaging a law-abiding citizen and should have these payments remarked paid in time just like how these companies make up what they want by suspensions should be handled quickly and repetitive damage should be taken place.
Consumer complaint received 2024-11-15
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. (SC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX - XXXX - XX/XX/XXXX - {$57.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

Hello, I cant emphasize enough how distressing and exhausting this experience has been. One morning, I wake up to discover a debt on my credit reportunverified and unrelated to meand suddenly Im facing relentless harassment from multiple channels and receiving threats of legal action. Its incredibly frustrating and, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  as a law-abiding citizen to have my rights as a consumer violated so blatantly. The mental strain has been immense, causing me XXXX  XXXX and constant XXXX.
Consumer complaint received 2024-07-22
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.