davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Late Payment Information # XXXX Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report by, XXXX XXXX XXXX  that appears on my credit file. 

The details of the accounts in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX Despite my attempts to resolve this issue directly with the creditors mentioned, I have not received any response from them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information ( Section 611 ). I request that you investigate the incorrect information reported and correct or remove it from my credit report.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( in this case, XXXX XXXX XXXX ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate.

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA.

I am enclosing the following documents to support my dispute : 1. A copy of my credit report with the disputed items highlighted. 

I would appreciate a prompt and effective resolution, as is my right to an accurate credit report under the FCRA. I look forward to receiving an updated copy of my report once the investigation has been completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Upon examining my credit report, I identified discrepancies with the following account that are hindering my ability to secure credit. In compliance with the Fair Credit Reporting Act ( FCRA ), I am submitting a formal request for a procedural investigation to verify the accuracy of the reported information. 

Below are the account details requiring your immediate attention : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Please conduct a thorough reinvestigation and provide documentation of your findings. If the information can not be confirmed as accurate, I expect its immediate removal from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (OH)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (CA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (DC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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. (NY)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-11-21
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. (NC)

On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute. 

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law. 

Furthermore, it's important to note that my personal information may have been affected by the XXXX data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately. 

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (IN)

The phone number listed to contact Mr. Cooper does not allow you to speak with a person to allow you to correct any issues. the automated phone system will loop you though how it can help you and return you to the same prompt indefinitely. when selecting other options that lead you to a person such as refinancing those people have no way of connecting you to a person.
Consumer complaint received 2024-09-30
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-24
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)

An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2023-11-21
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 opened a secured credit card through XXXX at the suggestion of my mortgage lender to slightly increase my credit score by a few points so that I could qualify for a better rate on a mortgage. I paid the card in full every month by the due date and never carried over a balance to the next billing cycle. XXXX began reporting 100 % credit utilization to the credit bureaus decreasing my score by almost XXXX points. Being as I never carried a balance on the card, I never had revolving debt, and therefore I had 0 % credit utilization. 
Also, XXXX changed the terms to which they would give me a credit line increase without notifying in writing 30-days prior. They were supposed to review my account after six months of on-time payments for a potential increase and when I asked for one I was advised that this actually happens around month seven or eight and possibly even nine. I am a meticulous planner and never would have agreed to something like this.
Consumer complaint received 2024-10-24
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 requesting the immediate removal of fraudulent information from my credit report as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 605B, you are required to block this information within four business days. The following accounts were opened fraudulently due to identity theft : 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
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 XXXX Account Number : XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I walked into a XXXX and tried to get my first credit card. The employee told me that there was already a card out on my name, with an outstanding balance. 

Turns out that a crazy former coworker who got fired for harassment and anger issues took out a card in my name through XXXX and racked up a debt, more than a year prior. I can't legally prove that he did it, but he sent me much anonymous harassment around the time that the card was created. 

XXXX  have done NOTHING to deal with the card after multiple hour-long phone calls. I've had more than one XXXX phone agent tell me that the issue of the fraudulent card was completely resolved, and that I would see it fixed within a matter of weeks. They outright lied to me, each time. In my most recent call, they finally shoo-ed me away to TransUnion XXXX instead . 

TransUnion was unable to verify my identity after account creation. Part of that account creation involved submitting XXXX. It was extensive and I completed it accurately. 

A TransUnion online agent was unable to verify my identity via in-website messaging. They asked me about my XXXX previous addresses, which I provided. Then, the agent denied me and gave no explanation as to why. 

A TransUnion agent was unable to verify my identity over the phone. He told me to write a physical letter to the TransUnion XXXX XXXX Department with certain criteria to verify my identity. 

I sent information above and beyond the required criteria in that letter, but have received no response for about XXXX months now. 
An online TransUnion agent assured me that there was a " 100 % '' chance that I'd receive some sort of response within 30 days. I have not. 

The process of trying to resolve this fraudulent credit card has been absolutely excruciating and needlessly overcomplicated. Everyone I talk to just passes me off to another agent. 

Now, more than a year after I started the process of trying to get this fraudulent card dealt with, I'm in the process of applying to the XXXX XXXX XXXX. And, wouldn't you know, they check applicants ' credit scores. 

If my odds at a XXXX  career will be compromised by incompetent support from XXXX and TransUnion XXXX, I don't think I'll ever forgive them.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-30
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. (PA)

I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report.
Consumer complaint received 2024-09-30
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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXXTRANS UNION XXXX XXXXTRANS UNION XXXXTRANS UNION XXXX XXXXTRANS UNION XXXX XXXXTRANS UNION XXXXTRANS UNION XXXXTRANS UNION XXXX XXXX COAF-08/12/23-TRANSUNION JPMCB-05-12-23-TRANSUNION XXXX FCU-04-20-23-TRANSUNION XXXX LANE-04-20-23-TRANSUNION XXXX CLUB-01-21-23-TRANSUNION XXXXTRANSUNION The consumer credit report maintained by you was not opened , made, or initiated by me . From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to lodge a formal complaint concerning severe discrepancies on my credit report that have yet to be resolved despite my previous attempts. The fraudulent entries include multiple accounts and inquiries that were not initiated or authorized by me. This is my third attempt to address this matter, and I demand immediate and thorough action.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I am reaching out to inform you that upon receiving my credit report, I noticed several errors that require immediate attention. It appears that you have reported incorrect personal identifiers in my file, which poses a significant risk to my identity if not rectified promptly. I am disappointed that this has occurred, and I kindly request that you take the necessary steps to remove all inaccuracies from your records without any delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX, XXXX, NM XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NM XXXX Incorrect XXXX : - XXXX  Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX Employer XXXX XXXX XXXX XXXX XXXX