davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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 have three negative accounts on my credit report for the same Student loan which is paid in full. How can I have a late payment over XXXX in XXXXXXXX of 2023 but the loan has been paid off prior to XXXXXXXX of 2023. 

XXXX XXXX XXXX U S DEPT OF EDXXXX US DEPT ED XXXX have reported this several times to these companies along with the three major credit buraus XXXX, XXXX and Experian
Consumer complaint received 2024-10-30
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 to request the immediate blocking and deletion of certain accounts and inquiries on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be removed from my credit report : Unauthorized Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-31
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)

I need your help regarding the false account reflected on my credit report. This has harmed my standing as a customer, and I am reaching out for your assistance. These accounts need to be removed because they are reported inaccurately and negatively affect me.
Consumer complaint received 2024-10-30
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)

I recently checked my credit report and noticed that some inaccurate accounts reporting. I submitted a dispute, and nothing has been resolved. I contacted the companies to request these inaccuracies be removed and did not get any response. I requested that these companies provide me proof that these accounts belong to me but no response. I've been working on this issue starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2024-10-30
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)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS EVEN AFTER BEING NOTIFIED. THESE ACCOUNTS ARE NOT MINE.THEY HAVE INACCURATE ACCOUNTS ON MY CREDIT REPORT.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft. In XX/XX/XXXX, after reviewing my consumer report, I discovered several accounts that were unfamiliar to me and not authorized by me. Approximately six months later, on XX/XX/XXXX, I filed an Identity Theft Police Report and submitted a complaint to the Federal Trade Commission ( FTC ) as directed by the consumer reporting agencies. Despite taking these steps, I am still dealing with this issue as of today. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Recently, Transunion reinserted an account with XXXX XXXX that had previously been removed a month ago. By doing so, they violated re-insertion laws under the FCRA. Specifically, they failed to notify me within five business days of reinserting the account, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, they did not provide the necessary certification of accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) and neglected to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ). 
Furthermore, Transunion has violated the following consumer laws : ( 1 ) Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : The account was reinserted without verifying a permissible purpose. 
( 2 ) Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Transunion failed to block the fraudulent account information, despite being provided with sufficient documentation. 
( 3 ) Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n ) : The willful failure to comply with FCRA provisions has subjected them to civil liability. 
( 4 ) Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Negligent actions in handling my case further indicate noncompliance with the FCRA. 
( 5 ) Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The reinsertion of inaccurate information violates the obligation to maintain the highest level of accuracy. 
Transunions actions have caused significant harm to my creditworthiness and violated my rights as a consumer under federal law. I expect immediate corrective action to rectify these violations.
Consumer complaint received 2024-08-01
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. (MD)

I PULLED MY REPORTS AND NOTICE SOME UNAUTHROIZED INQUIRIES THAT WERE NOT INIATED BY ME. PLEASE REMOVE AS A RESULTS OF IDENTITY THEFT.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (HI)

I am trying to add a security freeze to my Experian credit report. This is the second time I have come across this issue and the company 's canned response does not solve the problem. When I try to log in, it says it can not verify my identity, then refers me to a phone number. When I call the phone number, I get stuck in and endless loop that will never transfer me to a person to assist, even though the website refers me to call for assistance in the first place. Now they have programmed their robo answering service to literally hang up on people whether or not you agree to use their website. This practice is abusive and fraudulent. The company does not provide any appropriate customer service under any circumstances. I am trying to add a credit freeze but I am unable to do so. I should not have to mail in sensitive information in order to add or remove a credit freeze, particularly when there is an online option and there is a phone option. Neither of these options work, and the company has clearly designed their website and phone to be unhelpful and abusive in order to prevent consumers from requesting freezes or any other assistance whatsoever.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$6100.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXXXXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$6100.00} is shown as XXXX  % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past due amount of {$6100.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-21
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. (NC)

I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA 605B ( 15 U.S.C. 1681c-2 ) it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information continue to be detrimental to my personal 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. 
My Identity was fraudulently utilized to try and obtain credit, Obtain 2 apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for the District XXXX XXXX. Charge : Wire fraud in violation of 18 U.S.C. 1343. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 1. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX - Department of Justice
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED BANC-CORP (WI)

XXXX XXXX XXXX phone number XXXX email XXXXXXXX XXXX ID : XXXX My name is XXXX XXXX XXXX I went to associated bank and open an account the above agent information was given to me because I'm a first time home buyer he denied my application because I'm XXXX and he lied I have no credit I had a credit card with XXXX, he later told me he couldn't pull up my credit score, I called another agent in the bank she pulled up my credit score I asked her if she could take up my application she later told me she have to talk to the agent I'm dealing with first and she comes back giving me another lie story so I knew that XXXX XXXX XXXX deliberately denied me the loan for me been XXXX and that is very wrong so I wanted this matter to be investigated why will he do that and how long he has being doing that to other XXXX people it's our right to have a mortgage when we meet all the requirements not for an agent to lied to us and denied us because of our race
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Claims Bureau, Inc. (NY)

I have contacted the company " Professional claims bureau, LLC '' on 3 separate occasions, XX/XX/2023, XX/XX/2023 and XX/XX/2023 to inform them the doctor never explained there was a copay. When I asked the doctor office, they repeatedly told me no co pay was due and my insurance covered my physical therapy visits. They have not contacted me back and continue to send harassing mail demanding their payment. The doctor 's office should be held liable, which I explained in the email. Yet, on three separate occasions, I have not heard back from PCB. Please have PCB stop sending me harassing mail and investigate the matter with the doctor 's office.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed a copy of my credit report and noticed several inaccuracies. These unauthorized accounts are hurting my ability to obtain credit as I am in the process of trying purchase a home for my family. It is my understanding that you will investigate these items to ensure accuracy and remove all fraudulent accounts from my credit report. Here are the other items as well, I am asking you to verify as accurate : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX Na XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-09-07
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. (GA)

To my surprise, I saw accounts on my credit report that are completely inaccurate, and I can't figure out why theyre there. Ive never had this issue before when checking my report, but suddenly, there are errors. I refreshed the page, hoping it was a simple browser issue, but it didnt change anything. Because of this, Im asking for a thorough review of the documents Ive sent so that I can move forward without worrying about this ever again.
Consumer complaint received 2024-09-07
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. (RI)

I need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully with my family.