davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (FL)

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. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

and according to XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I was alarmed to find unauthorized inquiries on my credit report today, with no explanation for their appearance. I regularly monitor my credit, but this time, there were unexpected discrepancies. Refreshing my browser didn't fix the issue, as the unauthorized inquiries stayed. I urgently request a thorough review of my documents to prevent this from happening again.
Consumer complaint received 2023-08-20
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: Advanced Collection Bureau, Inc. (FL)

There is a collection on my XXXX account in the amount of XXXX XXXX which was placed on my account on XX/XX/2022 for an eviction. This debt is not accurate as of date, and should be expunged. I appeared before a judge on XX/XX/2022 and explained my whole case and situation to them. My case was thoroughly presented to the courts. After undergoing careful deliberation, the judge ruled in favor on XX/XX/2022 to sealing the eviction without objection. This ruling signifies that the eviction was not intended for disclosure or utilization against me, including financial responsibilities. The sealed status renders me exempt from any obligation to settle outstanding dues linked to this matter. Therefore, I respectfully urge you to assess my situation and take the essential measures to eliminate the connected debt from my records. I have reached out to this collection agency multiple times to try to resolve the issue with them. I also provided them with the court ordered document that was obtained from a judge, and they refuse to respect the document.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

*Applied Bank XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account OPENED DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-20
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. (TN)

On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a 3rd party and not the original source of the information. Under the privacy act of 1974, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX and trans union has reported inaccurate information on credit report which are charged off. That is personal income and should not be reporting. XXXX has a balance of XXXX balance and Trans union XXXX balance. This is inaccurate information on my credit report. Also personal income, which should not be reported.
Consumer complaint received 2023-07-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MN)

We had a medical debt with XXXX XXXX that was set up on a payment plan with our XXXX. At some point the, XXXX balance was too low for the auto payment to go through and without a phone call or any communication the balance was moved to a collection agency called Transworld Systems. Transworld systems inc. is aggressively contacting us about the collection which we believed was fraudulent because we knew this was on a payment plan. We called XXXX XXXX and was told about the missed payment and collection agency. We made a payment to the balance and restarted the payment plan with XXXX over a month ago. Since then, the Transworld collection agency is continuously contacting us to pay the initial amount. There is obvious confusion between XXXX XXXX and their Collections agency Transworld Systems Inc and I am not able to get clear answers about the balance, payments made, and payment plan but the collection notifications continue.
Consumer complaint received 2023-08-30
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. (CA)

My credit report is showing late payments on the accounts listed below. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NC)

Received Validation of debt around XX/XX/XXXX. On XX/XX/XXXX called and settled the debt that I received Validation on. Used account number to pay debt. On XX/XX/XXXX, called Ability Recovery Services due to account still reporting to credit bureaus as unpaid. I was told it may take a little longer due to Covid. Called back on XX/XX/XXXX, because I felt that it should not have taken this long. This is when I was told that the account paid was not the account I received the bill/Validation for. Was told they would have someone to contact me. On XX/XX/XXXX I called again about this account because I only authorized my card to be run for the account I received the bill/validation for and any other accounts was unauthorized. I was told there is nothing he could do, he would have to send the dispute to someone else and I should expect a response in 30 days. 30 plus days has come and gone and no communication.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Transunion to reinvestigate these accounts : XXXX, In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a 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 writing 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This credit situation is deterring me from purchasing a home for my fami
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-27
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. (FL)

ATTN XXXXs 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 2016-11-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

I sent money through XXXX App for my bills which was {$450.00} and {$60.00} to one person & {$310.00} & XXXX $ to another person. Chase Reversed the money from their accounts by filing a dispute that I never approved. They took the funds out of my account twice and they wo n't return the funds to the appropriate people or to me. I need them to give them their money back and return the money that they owe to my account. I never approved those disputes. I only dispute an XXXX charge.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX XXXX  account XXXX is inaccurate because It contains inaccuracies on my credit report. Based on the information obtained from other Credit bureaus the Date Opened, Last Payment made, Credit Limit amount, and Close Date are inconsistent throughout credit bureaus Transunion, XXXX, and XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX account XXXX is inaccurate because It's missing from the XXXX credit report. Based on the information obtained from other Credit bureaus the High Balance, Date of last activity, Date Opened, Close Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the account number is invalid and missing, Also, High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX XXXX XXXXXXXX is inaccurate because This item is not being reported on XXXX but only being reported by Transunion and XXXX, Also, It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit bureaus the account number is invalid and missing, Also, High Balance, Last Verified, Date of last activity, Date Reported, Date Opened, Close Date, Last Payment Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
Enclosed is documentation supporting my request : Credit Report Summary showing the inconsistencies reported by XXXX, XXXX, and Transunion showing different wrong contradicting information from each other. 
Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-30
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. (SC)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This companyXXXX XXXX XXXX  bankcard, flagged my account for fraud when someone cancelled the card and tried to have a new one issued and sent to a different state. This was after they let that person make a payment using one of my stored payments on file, and then they made purchases maxing out the card and go way over the limit. XXXX XXXX never called, sent a text, or a notification by email! Two weeks had passed before I knew anything about the fraud. I AM IN THE MIDDLE OF A MORTGAGE LOAN. THIS COMPANY HAS REFUSED TO GO IN AND UPDATE ON THE CREDIT BUREAUS MY TRUE BALANCE AND CREDIT UTILIZATION. THEY ARE SHOWING ALL OF THE FRAUD CHARGE AMOUNTS WHICH SHOWS MY CREDIT UTILIZATION AT XXXX XXXX. I AM ABOUT TO LOSE THIS MORTGAGE APPROVAL AND THE ALL OF THE FIRST TIME HOME BUYER ASSISTANCE AND GRANTS BECAUSE THIS HAS DROPPED MY SCORE BY XXXX POINTS. THAT ALSO MEANS I NO I AM NO LONGER ELIGIBLE FOR XXXX PERCENT DOWN.. THEIR FALSE REPORTING OF MY ACCOUNT IS CAUSING ME TO LOSE MY MORTGAGE LOAN, GRANTS AND ABILITY TO CLOSE ON MY LOAN IN XXXX WEEKS. I HAVE CALLED NUMEROUS TIMES BEGGING THEM TO PLEASE CONTACT THE CREDIT BUREUAS AND REPORT MY ACCOUNT CORRECTLY. THEY HAVE REFUSED TO DO SO AND TOLD ME THEY ONLY UPDATE ONCE A MONTH. THIS IS IN EXCUSABLE AND THE INFORMATION THEY ARE REPORTING IS FRAUDULENT BECAUSE OF IDENTITY THEFT THAT THEY LET HAPPEN AND THEN WILL NOT REPORT MY ACCOUNT INFORMATION WITHOUT THOSE FRAUD CHARGES. THEY HAVE COST ME MY HOME LOAN AND MY HOME. THIS IS CRIMINAL WHAT THEY HAVE DONE