davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TN)

I am writing this complaint because I noticed a debt collection agency reported a tradeline to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting the alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Transunion has allowed XXXX to report inaccurate information on my credit report. It was opened in XX/XX/XXXX. XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX XXXX reports inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. Transunion failed to investigate. These accounts have been damaging to me. Remove all accounts immediately. Unauthorized inquiries on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove all these unauthorized inquiries immediately.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.
Consumer complaint received 2024-08-31
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. (RI)

I am writing regarding an ongoing issue with inaccurate information reported by XXXX XXXX XXXX on my credit report. As you may be aware, I previously disputed this information, and XXXX ruled in my favor, confirming that the reported information was incorrect.

However, despite this favorable ruling, the inaccurate information remains on my credit report due to either an outdated or erroneous statement provided by XXXX to the credit reporting agencies. This incorrect reporting is unjustly damaging my creditworthiness and causing significant distress. 
To resolve this matter amicably and avoid further escalation, I am proposing the following settlement : 1. Immediate Correction or Deletion : I request that XXXX immediately update or delete the inaccurate information on my credit report with all credit reporting agencies.

2. Written Confirmation : I request written confirmation from XXXX that the necessary corrections have been made and that no further inaccurate information will be reported regarding this account. 
3. Expedited Handling : Given that XXXX has already ruled in my favor, I request that this matter be treated as a priority and resolved within 14 days of receipt of this letter. 
Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Rhode Island Fair Credit Reporting Act ( RIFCRA ). I have also consulted with an attorney regarding this matter. If this issue is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I am considering legal action to enforce my rights and seek damages for any harm caused by this inaccurate reporting.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I am a victim of identity theft and have reported the incident. It is essential to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-09-03
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. (TX)

" 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 XXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have called Equifax multiple times requesting information for addresses that do not belong to me be removed. The most recent call was made on today, XX/XX/year>. I spoke with a supervisor requesting why the addresses that do not belong to me keep showing up on my credit reports. He insisted on telling me that a lender is reporting this information. Again was told today that I would have to provide additional information showing my current address which I have provided by mail and email multiple times. One manager insisted earlier this morning that I would have to start another dispute that would take 30 days. One manager that I spoke to in XXXX reassured me that the incorrect addresses would be removed within 48 hours. The service at Equifax has been very unprofessional. I have been put on hold just to be hung up on, managers are very rude and argumentative, just a very unprofessional experience.
Consumer complaint received 2024-09-03
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. (IN)

I have been disputing multiple accounts with XXXX, Experian and XXXX since XX/XX/XXXX. I disputed a charged off account from a company called XXXXXXXX XXXX that is still showing a balance owed after selling the debt to a collection agency/debt buyer back in XXXX. This account had discrepancies across all 3 Bureaus during my initial dispute and was still reporting a payment history as of XX/XX/XXXX ; XXXX and Experian have been updating this account for 4 years consecutively, violating my statute of limitations and refusing to provide proper investigation results/details. 

I also disputed an account with XXXXXXXX XXXX XXXX XXXX XXXX, the collection agency, that also had discrepancies across all XXXX Bureaus. This account was showing a positive payment history with XXXX from XX/XX/XXXX- XX/XX/XXXX with no date of delinquency, while Experian shows this as a delinquent account ; it is obvious there was not a thorough investigation completed. 

I also disputed an account with XXXX XXXX XXXXXXXX which was removed from my Experian report because it was unverifiable. XXXX is reporting this same account and claims to have " verified '' it and has not provided me with any supporting documents. 

I also disputed another account with XXXX. XXXX XXXX with Experian that has been repeatedly charged off and reporting a payment history since XX/XX/XXXX - XX/XX/XXXX, I have yet to receive any supporting documents proofing validity of this account. 

I have sent at least 4 rounds of letters for each account, and I continue to receive a generic response in regard to these accounts saying that it has been " verified ''. It is ABUNDANTLY CLEAR there are no real investigations being conducted and my credit is suffering as a result of their negligence.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX ct XXXX, MD XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reporting Under FCRA Dear XXXX, I am writing to formally dispute the reporting of negative information associated with my previous address, XXXX XXXX XXXX XXXX Virginia XXXX, as it no longer pertains to me. Under the Fair Credit Reporting Act ( FCRA ), I request that this information be removed from my consumer report Immediately Relevant Laws : Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c ( a ) : This section states that consumer reporting agencies may not report negative information after seven years. Additionally, information that is obsolete or inaccurate must be removed.

- 15 U.S.C. 1681i : This section grants consumers the right to dispute information in their credit report and requires agencies to investigate these disputes.

Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt.

Privacy Rights : - Gramm-Leach-Bliley Act ( GLBA ) : This law emphasizes the importance of maintaining consumer privacy regarding personal financial information.

- Right to Financial Privacy Act : Protects the confidentiality of consumer financial records.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) of this section, a consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) To a person whom it has reason to believe intends to use the information in connection with the employment of the consumer.

15 U.S.C. 1681c - Information excluded from consumer reports This section outlines what information can not be reported, including obsolete information. If an address is no longer associated with the consumer, it should not be reported.

Given that the address in question is no longer associated with me, I assert my right to privacy and the protection against the reporting of outdated or irrelevant information. This situation may have a negative impact on my creditworthiness and violates my rights under the aforementioned laws. 

I request that you promptly remove this information from my credit report as it is inaccurate. 

Thank you for your attention to this important matter. I look forward to your prompt response within the timeframe established by the FCRA. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 my 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 REPORTING 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. This company 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-26
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)

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

Account Name : Account Name : XXXX XXXX - Account Number : XXXX Account Name : Account Name : CHILD SUPPORT - Account Number : XXXX