davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
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 XXXX XXXX # XXXX 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
Consumer complaint received 2024-07-26
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. (MS)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Pursuant to my debt validation request, on XXXX XXXX, XXXX, Rash-Curtis & Associates, a collection agency, provided me with debt validation support documentation. On XXXX XXXX, XXXX, I wrote a response to the collection agency indicating that the statement from their client, XXXX XXXX XXXX dated XXXX XXXX, XXXX for XXXX XXXX Co-pay for XXXX in the amount of {$140.00} was inappropriately billed to me. In my letter, I mentioned that the aforementioned charge is a XXXX XXXX XXXX XXXX XXXX XXXX, which should be billed to XXXX. XXXX XXXX/XXXX/XXXX statement, copy attached, clearly reflects that the XXXX XXXX is XXXX XXXX ( Upper right side ). As a note, I am a XXXXyear-old individual entitled to XXXX benefits. XXXX is XXXX provider that handles Part D benefits. Finally, in my letter I also mentioned that I was not willing to pay for inappropriate billings. Rash-Curtis has not responded to my XXXX/XXXX/XXXX letter. 

Although I properly notified the collection agency that I disputed the debt, on XXXX XXXX, XXXX, I received a notification from XXXX informing that the XXXX XXXX XXXX invoice for {$140.00} had been reported as a collection debt. Because Rash-Curtis actions are clearly not in compliance with the Fair Collection Practices Act, I hereby request that this collection item be immediately removed from XXXX records as well as the files from other credit reporting companies.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Facts : The Bank in Question is named XXXX XXXX Bank aka the XXXX XXXX XXXX 's payment was reported as 60 days past due Bank has my correct email & mailing address on file. 
Bank has my business line, with a robocall blocker, as my primary contact number. 
XXXX Mortgage payment was received and withdrawn from my account on time. 

On XX/XX/22 I contacted customer care because my credit monitoring service notified me of a delinquent account. After speaking with XXXX @ customer service, she found that the XXXX payment was made on time AND withdrawn from my account, but it was short by around {$100.00} due to an increase in the payment due. It seems there was an escrow shortage I wasnt aware of. She informed me that the funds were being " held '' in a suspense account instead of being applied to my loan. 

I immediately made a payment for the shortage AND another payment to cover what would be a XXXX shortage. My payments are automatically paid by my Banks BillPay service, so XXXX payment was already issued. She assured me that the late fee would be waived and that the delinquencies would be removed from my credit by XX/XX/22. I spoke with 3 other XXXX XXXX representatives, over the course of 3 weeks, that assured me the issue would be resolved, but nothing was done, nor did I hear back. On my final call, I told the agent that I would be contacting the CFPB if I did not hear from someone regarding my issue. After a few days, I got a call from the XXXX of Customer Relations, who is named XXXX. She explained that she reviewed my case, payment history, and spoke with her credit department. While she agreed XXXX XXXX received the funds on time, they are still considered late due to the shortage, and they were not willing to do anything to remove the delinquency from my credit. I argued that : 1. I was never called. XXXX said I was called 9 times but I never received them due to the robocall blocker. 2. I was never emailed, which is my primary form of communication, and the way I receive my statements 3. I was notified by mail AFTER the delinquency was reported. 4. The funds were not rejected or returned to me. My primary argument is that if the funds are accepted and withdrawn from my account then the payment can not be late. It is my belief that a partial payment is still an on-time payment, especially when it's 95 % paid. If nothing more, a human being could have contacted me to notify me that I had a shortage. 

I can provide documentation evidencing the on-time payment, but that's not really being disputed by either party. It's that a partial payment, being held by the bank, should not be considered late without being rejected or refunded. If further documentation is needed please let me know so I can provide them. I've kept records of my payment history, bank statements, emails to the bank, etc.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Re : Dispute of Inaccurate Information [ XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX ] Dear Sir or Madam, I am writing to formally dispute inaccurate information reported on my credit file. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I request that you investigate the following accounts and either verify all information for accuracy or remove the erroneous details from my credit report entirely. 
The accounts in question are as follows : XXXX XXXX Services Account Number : XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX I believe that the information currently reported is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that any information reported on my credit report is accurate and complete. As the information on these accounts is inaccurate, I request that you take the necessary steps to update it to reflect accurate data or, if verification can not be completed, remove the accounts from my credit report. 
Should you fail to fulfill this request within the legally mandated 30-45 days, I will pursue legal action to collect damages of {$1000.00} per inaccurate item as outlined by the FCRA. 
Please send me written confirmation once this issue has been resolved, and please provide me with the results of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the next 30-45 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IL)

This debt was paid through payroll deduction from my job and they are telling me they didnt receive the full amount which is a or My credit report is saying I owe XXXX dollars and when I call XXXX XXXX they say I owe over 600 dollars but the balance has been paid in full.
Consumer complaint received 2024-07-25
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received 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 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to express how DISSATISFIED I am with your recent claims about my accounts. Due to the lack of substantial factual evidence to support your allegations, I hereby contest these claims. Thus, without further ado, I implore you to IMMEDIATELY COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS. 
My financial situation has been severely tarnished by these allegations, which also have the potential to seriously damage my creditworthiness. To avoid such negative effects, it is imperative that we precisely and quickly handle this matter. 
I require you to dispute these reports as soon as possible and provide me with verifiable proof to support your claims. If I don't, I'll be forced to take legal action to protect my rights and make this right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My expectations are that you will treat my concerns with the seriousness they deserve and that your bureau will follow the rules of justice and truth in handling this case. I am awaiting a timely response and a resolute commitment to thoroughly investigating this disagreement.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Unfortunately, Experian has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I have identified several instances of inaccurate information that require correction. The details of the inaccurate information and the required corrections are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX. Account Name : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX. Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$60.00}
Consumer complaint received 2024-09-11
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. (AZ)

To Whom It XXXX Concern, I am in the process of applying for employment and have been informed by the XXXX  department that negative items on my credit report are adversely affecting my chances of securing a position. A XXXX friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX  BANK Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX CARD Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-23
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. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit file. Despite repeated efforts, the incorrect address and unauthorized inquiries persist, negatively impacting my credit report. 

I initially submitted a dispute, and since then, I have tirelessly attempted to correct the inaccuracies through your established dispute resolution processes. Regrettably, these efforts have been met with little success, as the issues remain unresolved. 

My credit report continues to display an inaccurate address that is not associated with my current or previous residences. This misinformation poses a threat to the integrity of my credit profile and may lead to further complications, including potential identity-related issues.

There are multiple unauthorized inquiries on my credit report that I have not initiated. These inquiries are not only inaccurate but also raise concerns about the security and privacy of my personal information. 

I have submitted the required documentation, followed the appropriate procedures, and communicated with your representatives on numerous occasions, providing all necessary details to rectify these errors. However, despite my persistent efforts, the issues persist. 

I request an immediate and thorough investigation into these matters. I insist on the prompt removal of the inaccurate address and unauthorized inquiries from my credit report. Additionally, I expect a detailed written explanation for the continued presence of these errors and the measures being taken to prevent their recurrence. 

These inaccuracies are not only affecting my creditworthiness but also causing undue stress and inconvenience. I trust that Credit Bureaus takes these concerns seriously and is committed to providing accurate and reliable credit information to consumers. I am asking for your assistane to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX  XXXX, MO, 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
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX