davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identity was stolen some time ago. The credit bureaus are aware, and I have added credit freezes or instructions for them to contact me before attempting to extend lines of credit. I continuously receive updates showing inquiries into my credit made without my consent. 


I contacted XXXX, XXXX, and Transunion by mail to dispute over a year ago. 
XX/XX/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
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-17
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)

I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my Experian and XXXX is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXXXXXX XXXX credit accounts
Consumer complaint received 2024-08-18
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. (CA)

recent checking my credit report I have noticed that Ive been a victim of identity theft and found numerous Credit inquires I have no knowledge of here are the inquiries that I found XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

In XXXX  I was at the gym and my wallet was stolen and my information was used I had no knowledge until I checked my report and I noticed all the Fraud. Please block and delete all these accounts from my credit profile asap.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Mortgage account number TBOM/MILSTNE # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX 2023 XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-08-18
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. (VA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Us dept of education : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 it also states a consumer reporting agency can not furnish with my written instructions 15 U.S.C 1681c section 5 states no consumer reporting agency can make any consumer report containing any of the following items of information and other adverse information other than record of convictions and 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 2024-09-26
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. (TX)

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's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX account number : XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am contacting Experian regarding credit-reported information on the credit report that is reporting inaccuracy on the credit report. According to the FCRA Fair Credit Report Act, the right to Privacy under ( 15USC1681, A,4 ) impartiality accuracy reporting. Late payment is not legal ( 15USC1681 S-3 ) and ( 15USC1681 section 602 A ) may not treat a payment on credit account on a consumer report 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 no later 21 days before the payment due date ( 15USC1681A,2, A,1 ). Compliance procedures ( 15USC1681E, B ) should be reporting the maximum possible accuracy ( B ) accuracy of report whom a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates, background report.

I am requesting the removal of the accounts listed below in the ( 15USC1681E, B ) maximum possible accuracy of the information concerning the individual report.
Consumer complaint received 2023-03-25
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. (OH)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notifications or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationships with creditors as I am going through the home buying process.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XXXX " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). XXXX and Equifax have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

I have spoken to both company credence resource management and att already. I do not know why they keep purchasing my identity that's theft. I have already did an identity theft claim per 15USC1681C-2. THROUGH THE FTC.GOV. I do not have to comply with this company policy about me giving my information to them using their identity theft packet that is not law and its my privacy according to the privacy act 1974, I have already stayed in honor by federal law by filing a identity theft report. Att has been removed from my credit report in XXXX and my information continues to get sold to these debt collectors which is fraud. This company has never tried to reach me by mail only by phone and when I informed them that this debt was not mines they continue to willfuly place this item onto my consumer report. On XX/XX/XXXX The company stated that it is not law that they have to contact me by written communication and that is false in fact they do according to 15USC 1692C ( A ) : without the prior or written consent of the consumer given directly to the debt collector or the express permission of a court or jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.By FEDERAL LAW. Credence resource management is suppose to conatct me by writing in which they have never. They are telling me I owe a debt which is illegal per 15 USC1692 B2, According to the privacy act of 1974 it is illegal to sell any of my information especially when XXXX has been deleted from my consumer report in XXXX. I do not know why they continue to harrass me when in fact att has been deleted in XXXX from my consumer report and I will not give my information to this company at all and there is no law stating that I have to. This is a 3rd party debt collector agency who I have no obligation to, at all and Att continues to willfuly and neglect to hand out my identity to these 3rd party debt collector agencies.I have never signed anything with this company and again XXXX has been removed from my consumer report in XXXX. Also on XX/XX/XXXX Credence resource management stated that If I do not fill out their company identity theft packet then they will not remove the item from my consumer report according to 18 usc 873 that is considered blackmail and they shall be imprisoned and fined under this title or both. Again blackmail and coercion is a crime per 29 cfr1630.12. Also stealing someone elses identity is also a crime per 18 USC 1028. All obligations belong to the united states according to 18 usc 8. I will not be filling out your packet so that you can steal more of my information and it is not a law for me to do so show me the law.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an adjustment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 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.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX  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 XXXX 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 XXXX 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 2024-09-26
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. (NM)

I am a victim of identity theft. And I made reports to Experian and XXXX and XXXX and I told Experian and XXXX and XXXX that I am a victim of identity theft and made credit disputes at Experian and XXXX and XXXX. Later, on my own Experian security complaint I said to the Experian XXXX department that I want to put my own work history and my own address where I lived and my credit corrected. and I told Experian XXXX department that I wanted XXXX XXXX fraudulent accounts closed and removed. Later the fraudulent XXXX XXXX accounts were closed and later I copies when it was removed. And later the fraudulent XXXX XXXX address was used on my security complaint and a few XXXXXXXX XXXX accounts were opened ; after I had the fraudulent XXXX XXXX accounts removed. And I told Experian that I wanted the fraudulent XXXX XXXX XXXX XXXX accounts closed and removed. And I called the XXXX XXXX XXXX department in XXXX XXXX XXXX and told them that I am a victim of identity theft. I asked Experian XXXX department to remove the fraudulent XXXX XXXX names from my account and then they asked me my name again and they asked me if I'm called sr, XXXX, ect. I said sr. And later I found out that Experian didn't remove the fraudulent XXXX XXXX names and just put my name over the fraudulent name and left the fraudulent name on the Experian report and just put sr. In front of the XXXX names I wanted removed. Earlier when fraudulent XXXX XXXX accounts were removed my XXXX XXXX went from the low XXXX to XXXX. And the FBI told Experian to remove the fraudulent XXXX XXXX accounts. And I found out that later after XXXX XXXX was in jail that XXXX XXXX and XXXX XXXX used credit in my name and opened fraudulent XXXX XXXX credit accounts-without my permission and without any authorization. XXXX XXXX and XXXX XXXX and XXXX XXXX doesn't have any authorization to use my name and my social security number and my credit.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affec
ted payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX