davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion 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
Consumer complaint received 2024-06-04
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. (MS)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OregonXXXX is my only address and current address 15 U.S.C 1681 5-2 ( 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 2024-06-04
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-06-04
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: EQUIFAX, INC. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$16.00} XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (NE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I've written to you informing you that certain information on my credit report is inaccurate, and I'm starting to get XXXX XXXX. I require access to the documentation used for each of the items on the previous dispute. 

The following accounts need to be updated or removed from my credit report because they are falsely being reported and some of them were unverified. They should also be removed from my credit report since they are reporting misleading information. 

XXXX XXXX : Account number : XXXX, Im confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 

XXXX : Account number : XXXX, I need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediately. 

I know under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information XXXX the consumer reporting agency shalli ) promptly delete the disputed information from the consumer 's file, or modify it as necessary based on the findings of the reinvestigation ; and ii ) promptly notify the furnisher of the disputed information that the information has been modified or deleted from the consumer 's file. This process applies to any reinvestigation under paragraph ( XXXX ) of disputed information in the event that an item of the information is found to be inaccurate, incomplete, or can not be verified. You have fifteen days to erase the accounts and/or information specified below, if you can't send me a copy of verified proof following your investigation. 



Send me a copy of my credit report reflecting these changes Ive requested.
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. (HI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-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 am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

Experian, credit reporting agency has removed a collection account from, XXXX XXXX XXXX after a dispute and investigation into the account. The company has not updated the account to reflect the correct credit score since the removal of the account. If so I am requesting information of the correct credit score pursuant to the removal of the account that shows the correct credit score.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

In XX/XX/year>, I used my Elan Financial Services XXXX XXXXXXXX XXXX XXXX  credit card to purchase flights online from XXXX separate airlines ( XXXX and XXXX XXXX making up an XXXX XXXX itinerary. For the credit card transaction with XXXX, Elan XXXX applied a nearly {$40.00} foreign transaction fee. For the XXXX transaction, Elan XXXX applied no fee. 

Both purchases were charged in USD ( no currency exchange ). Both airlines operate in the XXXX ( and routinely serve XXXX consumers ). Both flight segments were for departure and arrival cities overseas ( no XXXX segment in either ). For the airline transaction incurring a fee, XXXX supplied a merchant location in the departure country ( a XXXX  overseas territory that also uses USD ). In contrast, XXXX supplied their XXXX merchant info. If XXXX had charged my XXXX credit card ( with XXXX billing address ), citing their XXXX business address, as is customary for US-based consumers XXXX then no fee would have been applicable. 

This credit card fee seems arbitrary and unfair, as I had a reasonable expectation that I was dealing with the XXXX arm of XXXX, and had no way to know the merchant location that would be referenced in communication between the merchant and Elan XXXX. Elan XXXX suggested that XXXX might be at fault, but I am still stuck with a fee imposed by Elan XXXX and the merchant has no skin in the game. I would like to have the fee reimbursed by Elan Financial Services.
Consumer complaint received 2024-08-06
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)

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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update 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
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-30
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. (IN)

XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX TEACHERS XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I took advantage of a promotion for 3 % of the financed amount if I selected a 3 year financing term at Synchrony Bank. I completed the form, mailed my receipt and information and was told to wait a lengthy process. The last week of XX/XX/year> I received the gift card and it was expired as of XX/XX/year>. I called Synchrony Bank and was told they would not be able to reissue a gift card and the funds were forfeited because the card expired. They claimed the card was mailed out in XXXX, but earlier this year when I called about the status I was told to keep waiting it was on the way and the card arrived in XXXX, so clearly they are lying, they are just using this as a tactic to avoid giving me the credit I earned.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am reaching out for your help regarding the incorrect account reflected on my credit report. The harm to my reputation has been immense, and I need your immediate action. Your failure in handling my credit report has left me in a dire situation, as the incorrect details have tarnished my reputation. This must be resolved so I can focus on my family 's well-being.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a bill, and a picture ID, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- - 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four ( 4 ) 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 2 are required per the law, which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These are the affected accounts. XXXX XXXX XXXX XXXX bal. {$20000.00}.
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

On XX/XX/2019, I received the debt collection letter for {$780.00}. The creditor is the apartment I have moved out 5 years ago and I have confirmed that I didn't own them any amount when I was moving out that time.
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (AL)

Please update my XXXX Credit Card account number on my Experian report. I have recently taken a look at my Experian report and the account number listed on my report to my XXXX Credit card is XXXX. I have attached supporting documents to this email to show proof that this is not the account number that should be on my Experian report. Please update my account number for my XXXX XXXX XXXX XXXX credit card to XXXX. The account number that was reported on my Experian report is reported inaccurate and according to the FCRA, you are in violation of reporting inaccuracy to my credit report. please update my account number. Thank you
Consumer complaint received 2024-06-03
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)

I know that FCRA 605B requires us to remove any inaccurate accounts from my credit report. This is being reported inaccurately on my credit file, please remove this from my credit report. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I vacated XXXX XXXX XXXX apartment ( XXXX, TX ), property owned by XXXX XXXX XXXX last year XX/XX/year> without any issues or outstanding balance at that point in time and eventually in XX/XX/year> they sent me a bill with various line items stating that I owe them {$630.00}. Below breakdown for your reference : Additional charges/credits/payments after move-out 2x2 Extra Heavy Clean XXXX 2x2 Standard Carpet Clean XXXX Couch/Chair left at dumpster - Requires bulk pick up XXXX Final Trash ( XXXX ) XXXX Final Utility 9 % Admin Fee ( XXXX ) XXXX Final Water and Sewer Charges- ( XXXX ) XXXX Patio door trim damaged at removal of screen XXXX Trash removal x3 $ XXXXitem XXXX Total additional charges/ credits/ payments XXXX When I asked them for detailed proof for above Extra Heavy clean charges ( {$160.00} ) they sent me invoice document with no date and including line item saying PET treatment ( I never had PET in my apartment during my stay at the apartment ) and PAD expenses. When I asked them to provide explanation they didnt. I also dispute Couch/Chair left at dumpster - Requires bulk pick up expense which seems to be blindly added to my outstanding balance ( I never had couch chairs in my apartment and they also failed to furnish evidence for Couch left at dumpster ). When I asked for pictures/Proof they havent shared with me. This led me to sleepless nights for overcharging for something which I never used. I also cleaned the apartment before vacating and handed over the keys in clean possession to its former property manager and they did not say a word during that point in time. All of the sudden 7 months later they cameup with all this charges. They eventually sent this outstanding balance to DEBT collection company ( Columbia Debt Recovery LLC, dba Genesis ). 

When I spoke to them they also started pressurizing me to make full payment or else they were threatening that they will send it to Credit agencies which will impact my credit score. I request you to take the cognizance and do the needful in resolving the issue. Im happy to make payment for charges like Trash, Utility, StandarXXXX cleaning expenses.
Consumer complaint received 2023-12-10
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. (AL)

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 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 inructions 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