davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

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 seven 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 2024-08-21
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX OF XXXX Account Number : 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: Experian Information Solutions Inc. (TX)

am filing a formal complaint against Experian regarding the inaccurate reporting of a charged-off account. The account in question, XXXX Account # XXXX, was charged off in XX/XX/year>. Despite this, Experian has repeatedly updated the account as " charged off '' every month since then. This continual update is misleading and inaccurately reflects the payment history of the account. 

A charged-off account should not have an active payment history after it has been charged off. By improperly updating the payment history, Experian is manipulating the statute of limitations, which is misleading and harmful to my credit report. Additionally, I believe Experian has failed to properly investigate this account, which has resulted in the continued reporting of incorrect information. 

This inaccurate reporting has violated my rights, and I am demanding that Experian delete the XXXX account # XXXX from my credit report immediately.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Here 's a text you can use for your dispute with the Consumer Financial Protection Bureau ( CFPB ) : -- - **Subject : Urgent Dispute : Inconsistent Reporting of Closed Account by XXXX XXXX XXXX Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate reporting of a closed account with XXXX XXXX XXXX This account is being reported inconsistently across the XXXX major credit bureaus, as follows : - **XXXX** : Account # XXXX - **XXXX** : Account # XXXX - **Equifax** : Account # XXXX Despite my repeated complaints, these credit bureaus continue to claim that the account is " verified, '' yet they are clearly not reporting the same account number, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **FCRA Section 609** mandates that credit reporting agencies provide the consumer with all information in their credit file, including account numbers. The discrepancies in the reported account numbers violate this provision.

2. **FCRA Section 611** requires credit reporting agencies to conduct a reasonable investigation into disputed information. Given the clear inconsistencies, the continued reporting of this account without accurate information shows a failure to conduct a reasonable investigation. 

3. **FCRA Section 623** requires furnishers of information, such as XXXX XXXX XXXX to report accurate information. The discrepancies across the credit bureaus suggest that XXXX XXXX has failed to fulfill this obligation. 

Furthermore, this situation aligns with the case law established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was determined that credit reporting inaccuracies that are not rectified after notice are a violation of the FCRA. There is only one data Furnisher of this account, if the information is not 100 % consistent across all three credit bureaus than it is INACCURATE AND MUST BE DELETED! 

Given the ongoing violations and the severe impact this incorrect reporting has on my credit, I intend to escalate this matter. If this issue is not resolved promptly, with the removal of this erroneous account from all three credit bureaus, I will file a claim with the Attorney Generals office and pursue legal action against all parties involved for non-compliance with federal law. 

I demand a written response from a real person, not a computer-generated reply, outlining the steps that will be taken to resolve this issue. Please be advised that I expect your response within 15 days from the receipt of this letter. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-21
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. (AR)

Good day i recently file a complaint against Transunion for errors being reported on my credit report my request has been ignored by Transunion my initial complaint number XXXX i have given this company the allotted by law to perform necessary investigation on said issues on my credit report from every angle Transunion has XXXX me for pursuing my rights as a legal citizen they have used stall tactics to hurt not only my financial life but also including my personal life i have denied unemployment and credit due to this company using fraudulent tactics that have ruined opportunities that have forwarded me the opportunity to be a better citizen and father. 

XXXX. XXXX in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

Transunion you have violated my civil rights with stall tactics and by law you shall remove all items that i have disputed on my Transunion credit report effective immediately.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (MD)

I've made a transaction on XXXX XXXX on XX/XX/20 for {$610.00} using cashapp. I've had issue with the order and reached out to XXXX XXXX  for help. XXXX XXXX tried helping by attempting to provide an refund / exchange but was unsuccessful because their policy restricts them from providing refund or exchanges to Non returnable or All sales final order even if its a defect with the product or services. XXXX XXXX  suggests that I reach out to my banking institution to get these charges disputed because they are limited of options in resolving this issue from their end. I've reached out to Cash app and explained what my issue is with this transaction. 24hrs later Cash app responded with an email saying that I should receive a dispute form with 10 business days. I've finally gotten the dispute form and filled out the necessary details. 2-3 days later after sending the form back to Cashapp, I've received an email from them stating that they can not dispute because they have no rights which is completely frustrating and false statement. I've banked with XXXX XXXX and had disputed with merchants about defective items or services and never had one issue with them! or heard about them not having rights to dispute this transaction because it was an all says item. The law states that I have a right to have a refund or exchange provided from any transaction even if the item was an All sales final or no returns if the ITEM OR SERVICE IS DEFECTIVE.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion has had dozens of opportunities to properly update the inaccurate information on my report. I have an extensive history with disputing their inaccurate reporting. Im no longer requesting an investigation into inaccurate information. I have attached my TransUnion credit report and have highlighted all inaccurate information found upon my review. Please see attachments.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-21
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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. (GA)

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

Account Name : XXXX XXXX # XXXX - BALANCE {$670.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$4800.00} Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$22000.00} Account Name : XXXX XXXX # XXXX XXXX BALANCE {$1600.00} Account Name : Unknown # XXXX ( Original Creditor XXXX XXXX  ) - BALANCE {$430.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Upon reviewing my credit report, I discovered unauthorized inquiries that need to be investigated and removed. The companies and corresponding dates are as follows : - XXXX XXXX XXXX  : XX/XX/year>, XX/XX/year>, XX/XX/year> - XXXX XXXX  : XX/XX/year>, XX/XX/year> - XXXX  : XX/XX/year> - XXXX XXXX  : XX/XX/year> - XXXX XXXX : XX/XX/year> - XXXX XXXX via Dealer : XX/XX/year>
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

On or around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reported to my credit. I was completely unaware of this fraudulent account. This account is damaging my credit. I never authorized or opened this XXXX XXXX  account. This account is fraudulent.
Consumer complaint received 2024-08-16
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. (PR)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that | may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-08-21
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. (AZ)

On or around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reported to my credit. I was completely unaware of this fraudulent account. This account is damaging my credit. I never authorized or opened this XXXX XXXX  account. This account is fraudulent.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-08-21
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. (NJ)

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. 

I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
Consumer complaint received 2024-08-21
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)

Ive had my mortgage for over XXXX years. Ive never had a 30 day late payment with XXXX, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to XXXX XXXX  along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to XXXX XXXX  for an escalation solution to no avail. Ive been in contact with XXXX XXXX  in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a XXXX XXXX XXXX XXXX and Im at risk of losing my entire business over this matter. I lost XXXX points on my credit score and without the proper credit score Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States Lender XXXX  ID : XXXX
Consumer complaint received 2024-08-21
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)

Ive had my mortgage for over XXXX years. Ive never had a 30 day late payment with XXXX, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to XXXX XXXX  along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to XXXX XXXX  for an escalation solution to no avail. Ive been in contact with XXXX XXXX  in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a XXXX XXXX XXXX XXXX and Im at risk of losing my entire business over this matter. I lost XXXX points on my credit score and without the proper credit score Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX United States Lender XXXX  ID : XXXX
Consumer complaint received 2024-08-15
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. (CA)

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 

This serves as my final request for you to fulfill your obligations under the FCRA. If you do not promptly and properly investigate the accounts in question, I will have no choice but to file a lawsuit in my local jurisdiction, requiring you to appear here to defend your actions. 

XXXX XXXX XXXX.