davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

i recently reviewed my credit report and noticed that this account was not reporting accurately. i had no late payment and it shows as a charge account which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXX. with highest balance of XXXX XXXX and it was opened on XXXX. XXXX. XXXX this account is showing false information so i ask for an investigation on this account across all three major credit bureaus.my social security number is XXXX.
Consumer complaint received 2024-09-09
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)

I recently reviewed my credit report and noticed that this account was not reporting accurately. I had one late payment and it says it was paid by collateral which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXX XXXX XXXX. with highest balance of XXXX . and it was opened on XXXX, XXXX, 2021. this account is showing false information so I ask for an investigation on this account across all three major credit bureaus. my social security number is XXXX
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (FL)

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 3 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 XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$800.00}
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (NY)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX BANK XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-09
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

On XX/XX/2018 " XXXX XXXX XXXX  '' ran my credit using a hard inquiry. 
Someone has been using my social security number and identification to apply for credit that I did not authorize or know about. I did not apply for anything on this date for this company. 

On XX/XX/2018 Equifax customer service told me that they could not and would not file a dispute for this hard inquiry that I did not authorize. And that I would need to have " XXXX XXXX XXXX '' contact Equifax directly and instruct the company to remove this hard inquiry from my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (AZ)

My original loans dates were back in XX/XX/XXXX -XX/XX/XXXX. The loan originated with Dept of Education. They have sold this loan multiple times and keep changing the dates everytime they sell it to avoid removing it from my consumer report. This debt is now more then 17 years old more thatn the 7 years by law that it can be reported on my consumer report and sbould have been removed. XX/XX/XXXX this debt has been sold again to another debtor in order to keep it on my consumer report. This is againest Fair Credit reporting standards and I am requesting this debt be removed from all my consumer reports
Consumer complaint received 2024-11-01
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-09
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. (TN)

On XX/XX/XXXX, I received results back from Transunion stating that they verified a bankruptcy with the Circuit Courts of XXXX Virginia for XXXX case XXXX. Well, I have proof that the courts don't prove anything nor report anything to the consumer reporting agencies ; I also have a letter from XXXX, a third-party vendor the consumer reporting agencies use to verify public information stating that no public record exists in their system. Transunion may also try to say they verified this information with PACER which is a direct violation of the Privacy ACT of 1974. The act states the following : The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Since the courts are the ones who hold these records and they don't report anything nor verify the information I am to assume Transunion is ILLEGALLY reporting things about me and is a violation of the LAW.
Consumer complaint received 2024-09-06
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. (AZ)

My original loans dates were back in XXXX  XXXX. The loan originated with XXXX XXXX XXXX. They have sold this loan multiple times and keep changing the dates everytime they sell it to avoid removing it from my consumer report. This debt is now more then XXXX XXXX XXXX more thatn the XXXX  years by law that it can be reported on my consumer report and sbould have been removed. XX/XX/XXXX this debt has been sold again to another debtor in order to keep it on my consumer report. This is againest XXXX XXXX reporting standards and I am requesting this debt be removed from all my consumer reports
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was trying to make a wire transfer to XXXX a major crypto currency application. 
USAA fraud department flagged it as a possible scam and reversed the wire transfer. 
After calling for 3 days just to verify who I was they would not open the account. USAA had my phone number verified, my children 's birthdays, my vehicle types, my pin number and several other means of verifying who I was. I even went to the main bank in XXXX XXXX after driving XXXX miles to verify myself in person. I gave them my driver 's license to copy and sent it to the fraud department. Still, no one at the bank would see me standing in the lobby. I called the fraud department while in the bank and still could not get my account unfrozen to do my daily business. Now my monthly payments are due again I can't pay them, it has already damaged my credit. All my direct deposits go in this bank account so needless to say I have no funds to pay my bills. My mortgage has been late along with my vehicles, and utilities. It is costing me late fees and other expenses due to not having access to my money. I need my account open asap so I carry no further late fees.
Consumer complaint received 2023-11-10
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. (CA)

In accordance with The Fair Credit Reporting Act : this, XXXX XXXX {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2024-10-19
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. (NY)

Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXX of Debt : $ 933Date of Debt : XX/XX/XXXX Dear XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (GA)

I reached out to XXXX XXXX about an account that didn't belong to me on XX/XX/year>. They would not assist due to I could not verify the information. Then I received a statement dated XX/XX/year> stating I owe {$880.00}. This happened after I disputed the information through the credit agencies. 
They explained that they could not assist due to I had already disputed the information.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX i called Citibank in regard to XXXX unauthorized transactions that took place on my account between the dates of XXXX totaling to the amount of {$3200.00}. I explained the situation to them and that all XXXX of these charges were completely unauthorized and i had no knowledge of them. I asked them if anything additional was needed letting them know that i did not allow anyone to use my card and will file a police report if it needed to be done. The phone rep stated to let them proceed with the investigation XXXX. On XX/XX/year> i received a letter from Citibank stating that they believe i was responsible for the charges therefore the charges would remain on my account. On that same day i called Citibank to appeal this decision as i had no knowledge of these transactions and i would not file a fraudulent claim if i was responsible for them. I was able to appeal the claim. They asked that i send them a fax with a police report along with a paragraph of how i believe that i am not responsible for the charges and since that day now being XX/XX/year> i have called Citibank roughly XXXX times all to be told they are still working on it and have no answers for me and XXXX  now when i was transferred to a XXXX the XXXX said they would look into it to get some answers and hung up on each phone call with no returning call. I am beyond frustrated with this process as majority of my funds are being tied up with this issue and was looking for further assistance to appeal my case. Thank you.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MA)

The company continuously a repeated calling my phone, leaving voicemail messages to a harassing level, prior to amounts due and due dates. The acts violated the TCPA. When I addressed the matter and demanded the stop in writing, they did not, and further closed my account and sent it to their internal collections. At that time I DEMANDED validation of the debt and specific information validating the account that is allowed to be request in accordance of Federal laws. The company responded only with former copies of previous bills, already received on the regular billing cycles, and NOTHING of the items requested, or that would be considered a Valid form of Validation of a claimed debt.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (MA)

I have attempted to contact their legal representative to discuss their violations of federal laws and failure to validate the claimed 10 negative items and debt claims. They have continuously failed to respond to written demands for validation of the debts claimed, and further made comments that they will ruin my credit if I don't pay them. They have also violated the Telecommunications protection act and as a result owe me over {$27000.00} for the violations under that federal law. They have constantly and continuously failed to respond and correct their error, and have a history of only reporting derogatory information, and not the latter. They have been contacted 7 times without resolution.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MA)

Originally, Discover bank was sent a demand for validation of debt, and demand for settlement for their violations under the TCPA, and UDAP. The company failed to provide the required and properly requested, and legally applicable information to validate the debt claimed. Their failure precludes them under the supporting laws, from any further reporting, collection, or litigation. 

The company has a practice of falsely and deceptively contacting account holders in an effort to collect a claimed debt, and do so in a manner of deception that violates public policies and the laws in place to prevent these type of illegal collection activities I have been in contact with their attorney, to which he has stopped communicating when he was presented with the evidence that support my claims, and condemning their actions. 

They have also violated the Telecommunications protection act and acknowledge the demand for validation as they recognize and ask me to waive my rights as they pertain to cease and desist from contact other than U.S. postal service.
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. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.