davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (CT)

I am desperately in need of vacating my apartment within XXXX months when my lease is up. Therefore, I need to initiate this complaint to investigate why XXXX, Experian, and XXXX refuse to take reasonable measures in conducting their OWN investigations when this consumer disputes inaccurate and unfair reporting of data on my credit report. I have submitted several copies of my credit reports from the past and current. Upon your review, you will see the above-mentioned credit agencies, ALL have allowed CLOSED accounts to report false RECENT LATE PAYMENTS ( Please note that I have not been late on any account in nearly XXXX  years ). CRAs allow the creditor to continue to update my accounts with MISLEADING information. Such as, in XX/XX/XXXX, the CRA 's allowed XXXX XXXX  to FALSELY UPDATE A CLOSED ACCOUNT AS BEING REPORTED OVER THE LIMIT. ( Please note, that XXXX XXXX  initially reported on this closed account back in XXXX ). False manipulations of my utilization. 
Please note that upon calling these agencies, each informed me that they DO NOT conduct investigations they go by what the Creditor reports. Therefore, these actions committed by the CRA 's by not conducting their own reasonable measures in investigating how the accounts are being reported is a direct cause of me being denied an opportunity to get approved for housing. Please note that each time I dispute, my credit score drops between XXXX XXXX points. This is a retaliatory practice to deter consumers not to continuing to dispute inaccuracies because it blocks my right to rebuild my credit.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

This is absolutely frustrating, it's stressing me out for so long. These items you are reporting are already deleted by both XXXX and XXXX because they are INACCURATE, FALSE and UNVERIFIABLE and yet, you continue to put this on my credit, negligently and non-compliant, you have been ignoring my repeated requests to correct and remove these on my credit. This has already negatively affected all aspects of my life.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Last year XX/XX/year> I contacted you to dispute several debt collection accounts that still appear on my credit report. Pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. Several accounts appear to be reaged and appear more than once of my credit profile. These accounts should not be furnished as they are in violation of my consumer rights. According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. Also, I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my credit profile. Under 15 USC 1681 b : Permissable Purpose of consumer reports ( a ) in General subject to subsection ( c ) any cunsumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. NO WRITTEN CONSENT is equivalent to IDENTITY THEFT. Therefore, I request that you investigate and remove these accounts from my credit report within 30 days in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. Thank you for your attention to this matter
Consumer complaint received 2024-10-01
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. (SC)

On XX/XX/year> I reached out to XXXX, XXXX, and Transunion upon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This CFPB complaint has been filed pursuant to FC Subsection 605b ( 15 USC 1681c-2 ), that XXXX, Experian, and/or XXXX block the information appearing on my consumer credit report that is the result of identity theft and fraud within four business days. The fraudulent accounts in the FTC report ( XXXX ) consist of : 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 The FTC Report number is XXXX. Accounts are listed directly from report stemming from investigations beginning in XX/XX/year>. Please update immediately and in accordance with the aforementioned statutorily mandated 4 day period. Additional accounts and related inquiries that not be present in the report, but not limited to, are : XXXX  - XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

I am filing a complaint against National Credit Adjusters for reporting a collection account on my credit report with XXXX XXXX as the original creditor. I never had any obligation to pay XXXX XXXX, and I am confused as to why this alleged debt is being reported. 

In Texas, XXXX XXXX operates as a Registered Credit Access Business ( CAB ), but the actual lender is an unaffiliated third party. Additionally, XXXX XXXX is not registered in Texas, and their right to conduct business has been forfeited. 

I was never notified that this debt was sold to National Credit Adjusters and have received no correspondence from them, making their claim hearsay and unethical. This situation mirrors the case of XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information. 

Given these violations, I request the immediate deletion of account XXXX from all credit reporting agencies.
Consumer complaint received 2024-10-01
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. (NC)

I just recently looked at my report XXXX XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence : The below inquiries have no permissible purpose to be on my report 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 2024-10-02
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. ()

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.
Consumer complaint received 2024-10-01
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. (CA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-02
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. (TX)

This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on Transunion reporting as of XX/XX/XXXX. Located previous report number # XXXX Transunion report number on XX/XX/XXXX. Original creator XXXX XXXX, and schedule for deletion from report XX/XX/XXXX. Transunion is reporting inaccurate information from XXXX XXXX on XX/XX/XXXX, which is fraudulent information. This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. Transunion failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following Account XXXX XXXX and number 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN VIOLATION OF THE FCRA 15USC 1681 ( i ) PROCEDURE IN THE CASE OF DISPUTED ACCURACY DEAR SIR/MADAM I WOULD LIKE TO FILE A COMPLAIN AGAINST EXPERIAN CONSUMER SERVICES . 
THE COMPANY HAS VIOLATED THE FCRA CODE 15USC 1681 ( i ) PROCEDURE IN THE CASE OF DISPUTED ACCURACY WHICH CLEARLY STATE AS FOLLOW ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
15 USC 1681i ( 5 ) ALSO STATES ( 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 shall ( i ) promptly delete that item of information from the file of the consumer, THE 30-DAY PERIOD IS UP ; IT HAS BEEN OVER 43 DAYS AND EXPERIAN CONSUMER SEVICES HAS NOT RESPONDED. SO ACCORDING TO THE LAW THE BELOW INFORMATION SHALL BE DELETED. 
I AM REQUESTING EXPERIAN CONSUMER SERVICES TO DELETE THE FOLLOWING ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STATUS : CHARGE OFF IF EXPERIAN CLAIM THAT THEY HAVE RESPONDED TO ME PLEASE HAVE THEM PROVIDE A COPY OF THE NOTICE THAT THEY SENT ME ALONG WITH THE TRACKING NUMBER TO PROVE THAT THEY RESPONDED BEFORE THE 30 DAYS. 
PLEASE REFER TO THE ATTACHED PROOF OF DELIVERY OF MY DISPUTE LETTER TO EXPERIAN US POSTAL SERVICES CERTIFIED MAIL RECEIPT TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX YOURS TRULY XXXX XXXX
Consumer complaint received 2024-10-01
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. (SC)

I noticed some late payments from XXXX XXXX months of XXXX XXXX and XXXX, XXXX. Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer report. THE LAW CLEARLY STATES. 
( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer in which it relates.

Did I give you written instructions to furnish this account? I want proof that I do so if I did.

Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a credit report clearly states.

( a ) Exclusions- except as provided in paragraph 3 the term consumer report does not include ( a ) subject to section 1681s 3 of this title. 
( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Please update my late payments to paid on time. 
Failure to delete the late payments and update to paid on time will result in legal actions against your company for which I will be seeking {$1000.00} per violation for ( 1 ) defamation of character ( 2 ) negligent enablement of identity fraud ( 3 ) fair debt collection practices act 15 USC 1681n violation ( 4 ) fair credit reporting act 15 USC 1681 violation for non compliance
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX XXXX  XXXX / {$1200.00}
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2024-09-10
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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I am writing to file a formal complaint regarding LVNV FUNDING LLC 's placement of a collection on my XXXX and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from LVNV FUNDING LLC. 

Upon reviewing my XXXX and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by LVNV FUNDING LLC. This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from LVNV FUNDING LLC regarding this alleged debt. I have no knowledge of any business or financial transactions with LVNV FUNDING LLC. 

Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of LVNV FUNDING LLC, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by LVNV FUNDING LLC on my XXXX and XXXX credit reports. 
Determine whether LVNV FUNDING LLC has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 
Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. 
Ensure that LVNV FUNDING LLC ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 
I have enclosed copies of my XXXX and XXXX XXXX reports reflecting the reported collection account from LVNV FUNDING LLC. Additionally, any supporting documentation regarding my attempts to contact LVNV FUNDING LLC or request validation of the alleged debt is also included for your reference. 

I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. 

I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
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)

I am a senior citizen living in the state of Florida. I have a credit with XXXX XXXX That had a zero balance for the past year and recently I was notified by my bank that XXXX XXXX  placed a derogatory statement on my credit report. I contacted XXXX XXXX  and they told me they put a {$99.00} anual fee on my card however they never notified me or sent me a bill so I never new. They then reported to the credit bureau that I did not make a payment towards the annual fee. I had perfect credit and never miss any payments so I am asking the CFPB to demand that XXXX XXXX remove the negative statements they put on my credit immediately because they never sent me a bill.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX