davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Equifax is furnishing an account ( XXXX XXXX XXXX ). Equifax is furnishing an incorrect balance of {$1100.00}. This account is being reported opened on XX/XX/year> which is completely false. The original creditor isnt listed on my consumer report that Equifax is reporting.
Consumer complaint received 2024-07-17
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)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have been a victim of identity theft and promptly reported the incident. 

It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-17
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (FL)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-08-01
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. (DE)

Account name # XXXX XXXX XXXX  Account # XXXX I asked XXXX XXXX Bank, XXXX and Equifax to remove a late payment on my credit report which is clearly reporting inaccurately information. They fail to show proof and they Violated XXXX XXXX XXXX  sent me a notice 31 days before this so called late payment. I sent in several letters to XXXX XXXX Bank and XXXX and Equifax along with proof of them reporting inaccurate information. All of my proof will be shown is the attachments. My next step is to take legal action against XXXX XXXX Bank, XXXX AND EQUIFAX! YOU WERE TOLD TIME AND TIME AGAIN TO REMOVE THIS LATE PAYMENT WHICH IS REPORTING INACCURATE. I CANT BE LATE AND ON TIME ON XXXX DIFFERENT CREDIT REPORTS AT THE SAME TIME. XXXX XXXX XXXX XXXXXXXX XXXX LATE EQUIFAX XXXX REPORTS I WAS O. TIME FOR THE MONTH OF XXXX! XXXX REPORTS I WAS ON TIME FOR THE MONTH OF XX/XX/2024 BUT ON TIME IN APIRL. THIS MAKES NO SENSE BUT SINCE YOU THINK THIS IS OK, I JUGDE WILL SEE THIS FOR WHAT THIS REALLY IS. I WILL BE HAPPY TO SUE ALL PARTIES INVOLVED.
Consumer complaint received 2024-08-01
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. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-20
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. (CA)

Thank you for removing some of the inaccurate items from my file caused by incorrect credit information. However, there are still items that need to be addressed. I am disputing an inquiry in my credit file that resulted from incorrect credit report details. Here is the Identity Theft Report XX/XX/XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information resulting from alleged identity theft within four business days upon receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX -- -- -- -- TRANSUNION XXXX XXXX XXXX XX/XX/XXXX 
XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. Please note that you have four business days to remove these items from my credit file. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-06-21
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. (NJ)

It has come to light that you are not removing records as required, despite my having sent a copy of the FTC report. Since this is mandated by Regulation 605b of the FCRA, I am submitting this complaint to establish a formal response. If you choose not to block the following items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. It is my intention to avoid pursuing legal action, so please comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-06
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I am attempting to correct my credit report with Equifax, XXXX, and XXXX. On my Equifax credit report states it states that I have an account with XXXX. I contacted Equifax to let them know that I do not have an account with Equifax because the account was transferred to XXXX. I disputed this claim and the during Equifax 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. 

I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided Equifax with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. 

I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial Fall XXXX disbursement. I want the full loan history including the transfer information between lenders.
Consumer complaint received 2024-07-10
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CL Holdings LLC (FL)

Hello, My name is XXXX XXXX XXXX, I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this complaint in good faith, with hope that it can be resolved amicably. This unilaterally signed agreement contains errors that I have become aware of. Please see the Claims to an Instrument Notice, along with a Revocation of Power of Attorney, Rejected and Modified agreement attached. 

This shall serve as a Notice to Jefferson Capital Systems , LLC 's affiliates as well, including the card issuers. 

XXXX XXXX XXXX, Consumer. All Rights Reserved UCC 1-308
Consumer complaint received 2019-10-12
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. (OH)

I have been writing TransUnion for a year now. I have advised them that they are inaccurately reporting an account with XXXX on my reports. I have shown them several items that are wrong - to include A HUGE VIOLATION where they are REAGING the account. How the heck is that possible? Every single month they update it and say the account was " last active '' there is no active on collections other than the date they accept the account, and yet they keep acting like it is. Also, they have reported the account as closed as well. How is that possible. The contridictions and inaccuracies are beyond a violation. I have included screen shots that they keep doing it month after month after month. Furthermore, I have pointed out other violations such as a collections account having a past due balance. There is nothing past due with a debt buyer, I read up on this and know the FDCPA and that they can not do this. I have enclosed documentation direct from TransUnion that shows they " updated '' information but there was actually nothing updated as it is apparent by their own reports. They have done nothing but ignore my disputes and demands for fair reporting. I am beyond stressed out over this. It has been a year. They are harming my finaincial reputation with their woeful neglect of their legal responsibilities. I need to buy a larger home as I just had a baby. All of this disputing should not be this hard. What are they making it so hard and violating the law? Please help me get this resolved once and for all.
Consumer complaint received 2024-06-20
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. (PA)

Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not connected to me in any way, and I hold no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not promptly addressed. 

These inaccurate and fraudulent items on my consumer report have hindered my ability to achieve my goal of purchasing a home and providing for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Consumer complaint received 2019-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUNTRUST BANKS, INC. (CO)

Full documents related to the loan have not been disclosed. LightStream attempts to penalize consumers based on policies that do not have full legal documentation.

I reached out to the LightStream on three different occasions to adjust my auto-payment date from the XXXX to XXXX. In order to make this change, LightStream would increase the interest rate of the loan by 50 basis points. I pulled the loan agreement and it specifies the following : " If you fail to pay or maintain payments via the Automated Payment Option, you agree that the failure will immediately result in a permanent XXXX percentage point increase in the annual interest rate in effect on your loan. " My request was not to cancel the Auto Pay option but maintain an AutoPay option with a different date. 

The loan agreement also includes the following language : " Payments ( comprised of principal and interest ) ( 1 ) will be payable monthly, in an amount of {$250.00}, and ( 2 ) will be due on the same day each month ( the " Payment Date '' ), such day being the one you designate upon electronically signing this Agreement. '' A payment date is not designated in the agreement. Additional documents on the online portal only include a credit score disclosure. I requested documentation of this designation and LightStream was only able to provide a generated email which states that my payment will be on the XXXX. No documentation of the designated payment date was able to be provided.
Consumer complaint received 2024-08-02
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. (PA)

On XX/XX/year> I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one. 

I HAVE ALSO MAILDED OUT VAILD DOCUMENTS SO THEY VERIFY THAT IT IS ME I WILL LIST THEM BELOW : SSI : DRIVERS LICENSE : TWO COPIES OF BILLS WITH CURRENT ADDRESS ALL VERY CLEAR IMAGES AND READABLE BUT THEY AND SAY THAT I DID NOT
Consumer complaint received 2024-08-20
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. (TX)

on XX/XX/XXXX I Discovered a fraudulent account on my credit profile From XXXX XXXX XXXX. The creditor that is reporting on my report is XXXX XXXX XXXX  for the amount due of {$1600.00} ( Account # XXXX ) On XX/XX/XXXX I filed an identity theft report and a police report with my local department. I also filed a dispute with Experian and XXXX requesting this item be removed due to being fraudulently obtained in my name. This Dispute process has gone on way to long and i have yet to see any results being made. 

Today is XX/XX/XXXX Almost a year later and I am now reaching out to the CFPB to investigate more into this situation.
Consumer complaint received 2024-08-02
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-31
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. (NY)

In accordance with the Fair Credit Repprting 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-07-10
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX