davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$690.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$1100.00} Terms - On record until XXXX XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX XXXX CO CO CO XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX CO CO CO Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX.
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX ] Date of First Delinquency : [ XXXX  ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX ] Also requesting payment ledger ( statements, etc. ) and records of communication with XXXX if applicable
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-09-05
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There are multiple unresolved issues with the reporting of students loansa ssigned to XXXX then transferred to XXXX, that I have been working for years to correct. 

First, duplicates of the same student loans report on my account. The unconsolidated loans from XXXX, are the same loans as the consolidated loans from XXXX and both are reported on my credit report. 

Second, the dates and reported delinquencies are erroneous, inconsistent, and it is abundantly clear no one has taken the time to review my disputes. The 22 unconsolidated loans were all from the same account with the same exact payment schedules, yet none of the reports or status 's are the same. Each time I attempt to have this corrected, I must submit 22 individual disputes which no one looks at. For example, there are multiple instances such as the status of a loan in XX/XX/XXXX. The account is listed as current with terms met. 30 days later in XX/XX/XXXX it lists a 90 day delinquency which is clearly impossible and inaccurate. 

The same thing happens in XXXX of XXXX. In XX/XX/XXXX ( during the pandemic and forgiveness period which is another issue ) the account is listed as current with terms met. 30 days later in XX/XX/XXXX it displays a 90 day delinquency again, recklessly erroneous and Ive reached out to both XXXX and Experian to correct this- additionally these accounts have been paid off in full- this is the history of payment I'm attempting to correct.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of an inaccurate account on my credit report. Account number XXXX is being reported as open, despite being closed. Additionally, the date last active is incorrect. This misinformation is in violation of the Fair Credit Reporting Act ( FCRA ). 

Please note that XXXX has already removed this account due to similar FCRA violations. I request that you immediately remove this account from my credit report. Attached is a copy of the True bill, and I expect prompt resolution and payment for the damages caused by your negligence.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion, spoke to several people, sent letters to/at Transunion. Please update my name on my credit report asap. One of my creditors reported my last name incorrectly. I need it updated as soon as possible.
Consumer complaint received 2022-12-03
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: SYNCHRONY FINANCIAL (MA)

Hi I have this long dated credit card issues with Synchrony bank years ago and every time I received their Creditor 's letter about my late payment that didn't pay up, I called to their fraud and investigation departments many times and they always told me the issues would be resolved in XXXX weeks and this has been back and forth with this credit card company that they duplicate charged me with something I don't understand why and no one from that creditor can explain but always told me that they are trying to resolve it. 
this goes on and off for years and affects my credit scores however they were sometimes erased from record ( as i called back and tried to find out the results ) but then after few months it comes back to me again! it's always in this loop of circle that I can not see transparently how they dealt and what they can explain to me the issues if it's solved or not. Today, I am receiving debt collector 's letter asking me to pay back the amount which I am not aware of and not even understand why this mistake ends up me paying for the amount + interests! 
I need someone who can help me here please thanks XXXX
Consumer complaint received 2024-09-05
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (GA)

In XXXX I contacted Shellpoint advising the customer service rep that I was seeking help on catching up on my loan due to me not working. I was asked several questions to see if I qualified for assistance and was advised that I was and someone would be calling me for further assistance. A week went by and no one called. I contacted shellpoint and spoke with a very rude case manager who told me that I need to fill out some documents that would be coming in the mail. I received the documents and mailed them back XX/XX/year> after a week went by and I did not hear from anyone I called again and was advised by my case manager that she was not able to look at the documents yet. She contacted me two days later advising the application was incomplete and she needed paystubs, hoa statement, bankstatements. I emailed the requested documents and did not hear anything back once again I called in and was advised she did not receive anything from me. After gong back and forth with her I advised he I emailed the docs on the 26th she stated she saw them and that the paystubs were old ( she was reading the dates backwards ). she then advised that she needed my savings account bank statements which is not true. This is going on two months trying to get my mortgage loan caught up
Consumer complaint received 2024-09-24
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax , pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes XXXX XXXX XXXX  Account : XXXX Balance : {$280.00} Opened : XX/XX/XXXX an XXXX XXXX XXXX  Account XXXX Balance {$660.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX XXXX XXXX : {$7800.00} an XXXX. XXXX XXXX Account XXXX XXXX {$14000.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX XXXX Owed {$9200.00} Date Opened XX/XX/XXXX -- -- XXXX. XXXX Account XXXX Opened : XX/XX/XXXX XXXX XXXX : {$470.00} -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2023-10-05
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$6700.00}
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (ME)

I received calls and texts from Sunrise Credit Services telling me they are attempting to collect debt. I received XXXX document from them stating that I have 30 days to file a dispute by a certain date, which I did 13 days prior to the stated deadline and sent it to the email address provided in the sentence " We accept disputes electronically at *company email address* ''. They have failed to provide any proof that I owe the debt or a debt validation. Additionally, they have continued to call and text without providing any of the information required. 

After reading consumer rights, it appears that Sunrise Credit Services is breaking multiple federal laws : XXXX. Continuing to contact me without providing any required information after I filed a dispute. 

XXXX. Harassment by a debt collector by calling without telling who they are. Their callers do not leave voicemails identifying who is calling, and caller ID shows up as " Sunrise '' and possibly " potential spam ''. When it showed up as " Sunrise '', there was no further identification of who the caller was and numerous companies use the word " sunrise '' in their company name so it is not a reasonable identification. I can think of at least XXXX local companies that go by " Sunrise '' and are not this company. 

XXXX. Validation notice. I have yet to receive any sort of validation of debt from the company after requesting
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-10-23
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. (CA)

XXXX on behalf of XXXX XXXX XXXX XXXX I received a copy of the Student Loan promissory Note- this note was dated and signed XXXX XXXX XXXX XXXX  XXXX I graduated from XXXX XXXX. All my Student Loans were paid and originated with XXXX XXXX. I did NOT sign any Note with XXXX XXXX XXXX in XXXX - I was NOT a student in XXXX. This account is FRAUDULENT. I requested XXXX XXXX XXXX XXXX, to remove this account from all Credit reporting agencies and to restore the XXXX points that were taken from my CREDIT SCORE.
Consumer complaint received 2023-10-05
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.