davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. The creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to PAID AS AGREED/ Never LATE on my consumer report. Late payments reporting without proof in the form of a bank statement is hearsay and needs to be removed. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This will prove when I paid on time. Anything other than documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this prove, theres no legal VALIDATION. In XXXX XXXX XXXX XXXX, XXXX opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It must come from the data furnisher ; it has to come from the credit bureaus. It can not come from me. 
I did not pay late for the month of XX/XX/XXXX for my XXXX ACCOUNT # ( XXXX ) Delete this from my credit report and update paid on time never late removing the data from the payment history as well unless you can prove with a bank statement coming directly from Kickoff. Transunion if you fail to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney XXXX office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you XXXX be liable for your willful non- Compliance. It is my understanding that you will recheck these items with the creditor who has posted them and update my account.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There were fraudulent credit card charges on a XXXX XXXX credit card from XXXX XXXX XXXX XXXX  on my credit report. This card has since been closed down per my request at the agreement of the credit company, yet a late payment is still being reporting on my account and it is damaging the integrity of my credit.
Consumer complaint received 2024-09-30
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. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX T XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian XXXX and XXXX has failed to provide any documentation from the investigation.After checking my credit report on XX/XX/year> I have found the three credit bureaus mentioned to be in violation of several of my rights. XXXX  XXXX  XXXX XXXX XXXX account is stated as opened on XXXX XXXX account is reporting aa a charge off collection with a balance of {$1200.00}. It also shows the highest balance as being {$1400.00}. This cant be true because I never made any payment towards any balance. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. I also believe this company can not provide validation Of the debt being reported. This information is also not true, accurate or fair as it is reporting invalid email, address, phone number, and balance under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). It is the responsibility of the credit bureaus to make sure the information being reported 100 % true and accurate. This is not fair and is causing great stress and problems in my life.Equifax, XXXX, Experian please stop violating my right to privacy and discontinue any involvement with XXXX  XXXX XXXX XXXX pertaining to my credit report and non public personal information.
Consumer complaint received 2024-07-09
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. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have been reviewing my credit report over the past few months beginning in XXXX, and I have noticed that Experian continues to ignore my request for a complete and accurate investigation after sending in several disputes. I have written to them several times due to inaccurate late payments that continue to show on my report which is defaming my character and stopping me from getting my first mortgage to purchase a home. I was never late with paying my creditor therefore I should not have a late payments on my report from XXXX and XXXX. After writing to them over the past few months I have not received XXXX response.
Consumer complaint received 2024-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I consolidated my loans back in XXXX before the pause began. I was on an income based repayment plan, and when I consolidated the loans, they put me on the standard plan which quadrupled my payment. And the plan they put me on no longer qualifies for public service loan forgiveness. 
at this point, they have put me on a procedural forbearance, which will not be allowing me to pay and make payments towards my public service forgiveness. They have not reconciled my payments to match the loans. All of my loans should show the same amount of payment counted towards forgiveness, but they all are still varied. 
I just want help getting this taken care of so that I can be done making payments on these loans that have just accrued so much interest that I could have XXXX degrees by now.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Notice for Proof of Claim Account : -XXXX # XXXX, XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2024-09-27
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)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries on my consumer report. These inquiries are not associated with me, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not appropriately addressed. These inaccuracies have hindered my ability to purchase my dream home and provide for my family 's needs, significantly impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-09-25
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. (UT)

I just recieved an update on my XXXX XXXX  dispute about an icorrect reporting on my payment history. XX/XX/XXXX was 30 days late which was not correct i showed bank statements i was on time. XX/XX/XXXX also showed 30 days late which was also incorrect. i showed bank statements. 

I just recieved this updated report from equifax. They corrected XX/XX/XXXX payment as paid on time. But now they made XXXX XXXX 60 days late. How is that possible? this is absurd. This deserves a court case review by a judge. They also changed XX/XX/XXXX from 30 days late to 60 days late. How is this possibke. This is foul reporting and incorrect. This is deliberately breaking the law. I will reprt this to my attorney. I have patiently provided documents to prove my case and i get disrespected by this garbage reprting to hinder my life and my families. 

I am reproviding bank statement showing XX/XX/XXXXXXXX  payment was made on time. it was withdrawn XX/XX/XXXX. I am showing my latest equifax reporting the update being incorrect for XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with 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 60 days 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.

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 2024-09-05
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. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.