davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-06-06
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-06
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. (TN)

Hello this is my second time reporting to this agency. I filed a complaint on XX/XX/2024. Asking to verify this bankruptcy on my account. I needed verification from the credit report. AGAIN they did not provide me with any information about how they retained this information. I got my letter back today on XX/XX/2024 stating that everything was verified.. VERIFIED BY WHO? NO DOCUMENTS WERE PROVIDED TO ME. XXXX already deleted it from there credit report due to not having any information on why it was on my report. EXPERIAN FAILED AGAIN TO PROVIDE ME WITH ANY DOCUMENTATION. I NEED THIS DELETED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-06-06
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. (MO)

Back in XXXX or XX/XX/year> I started school at XXXX XXXX. I dropped out of school XXXX of 2006 because I was XXXX XXXX XXXX and was advised by my doctor at the time to be on bed rest. Later on as I was speaking about the money I did in fact borrow prior to me having my baby on XXXX XXXX, 2006 I learned that there was money borrowed after my child was born from that school. So I started taking this matter up with the school itself. In the process of me taking it up with the school, the school closed down. Later I would find out there was a lot of fraudulent activity involving the school somehow taking loans out on students name. Which the school had several lawsuits as well against the school as well. I have put in several disputes in with no luck of getting the loans that were taking out after XX/XX/year> from that school. Those loans are completely fraudulent. The only ones that belong to me were the student loans that I had prior to XXXX of 2006.
Consumer complaint received 2024-06-06
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-18
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: Fidelity National Information Services, Inc. (FNIS) (WA)

According to FCRA 611 ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) I am requesting the method of verification you used to ''verify '' that the company seriously looked into the previous investigations. I would like to be provide physical proof of how you contacted the creditor '' XXXX XXXX '' account # XXXX. I want to be given the written correspondence email's/letters, phone call records you had with the employees who you said verified the data, and any other documentations used for this investigation. 

I am submitting a complaint because Chexsystems never sent me the investigation results. I only received a letter dated XX/XX/2019 that the investigation would take XXXX and then my own request of a report dated XX/XX/2019 to see what if anything had been done to my report. as of today i affirm they never sent me my results of the investigation. 

either remove the false and erroneous account or I shall and will seek legal remedies made to me via your negligence and willful disregard to abide by FCRA statutes. I shall files multiple complaints to and including FTC, Minnesota 's Attorney General 's Consumer Division, D.O.J and finally bring a civil suit if the issue has not been taken care of.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2 out of 3 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 2018-05-08
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: EQUIFAX, INC. (WA)

I have contacted Equifax 5 times in the last year to remove a bankruptcy appearing on my credit. I have also provided documentation that the bankruptcy i have is too old to be on file and have provided proof. Equifax keep saying they verified the information with a third party source as accurate. When i asked to be provided with documentation of who provided the information, i got no response.
Consumer complaint received 2023-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I have submitted all of my PSLF paperwork back in XX/XX/22. MOHELA took over XXXX and stated in XX/XX/22 that my information was processed. In XX/XX/XXXX ', I received a letter that I surpassed my 120 payments and I emailed them to see when my balance would be XXXX. I was old up to 90 days. I also asked for a refund of payments I made with covid. Stated Treasurer can take up to 90 days. I get a letter today niw stating I have 119 payments with one to go. This is after I was assured through letter and email portal I made more than 120 payments. I am still working XXXX XXXX full time. I want my loan forgivable as promised.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before.XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reached out to the credit bureaus regarding inaccuracies on my credit report. There are numerous issues with the reporting and I notified them and sent the the proper documentation and information to correct it and delete the incorrect information. They failed to do either and continues to report misinformation on my reports. I contacted the furnishers and they have not responded and those that did either had no record or has different records than the credit bureaus. I am very frustrated dealing with this and am considering legal action at this point because they continue to willfully violate the reporting laws. I just want my report fixed so that things are reported accurately.
Consumer complaint received 2024-09-10
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account Number : XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA, XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX CT, XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY, XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX I looked at my XXXX credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 on my account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-06-06
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 you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc. (FL)

They have not sent ANY information it has been over a year since I asked for this information. Which I was told everything would be removed once they found out there is NO EVICTION from the state of GA for an eviction at all in my name for the dates they are claiming. They said that would take 30 days. That was XX/XX/year>. I also asked for them to show the dates they claimed I attended a court case. I have contacted the courts and there is nothing in my name for an eviction at all, because I was never evicted. 
Either way, the reporting requirements do not comply with fcra 611 ( 15 u.s.c. 1681i ) and needs to be deleted and permanently removed immediately. I do not appreciate having things like this in my report.
Consumer complaint received 2024-06-02
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. (GA)

XXXX XXXX XXXX XXXX Gave me false information in not having to run my credit for a vehicle but in actually they did and also sent it to another bank and .I didn't recieve the opt out of reporting paperwork ..saying I could opt out of reporting
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Formal Complaint Against [ Merchant Credit Guide ] To Whom It May Concern, I am writing to file a formal complaint against [ Merchant Credit Guide ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ Merchant Credit Guide ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ Merchant Credit Guide ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ Merchant Credit Guide ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ Merchant Credit Guide ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ Merchant Credit Guide ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ Merchant Credit Guide ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ Merchant Credit Guide ] 's actions and take appropriate enforcement action. I request that [ Merchant Credit Guide ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-26
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to delete the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}