davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

XXXXXXXX XXXX XXXX is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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. (OH)

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 XXXX  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 2024-09-30
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. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
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. (TX)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-30
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : XXXX for Debt Validation Account Number : { XXXX ] and { XXXX }. XXXX accounts Dear XXXX XXXX XXXX I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

I have been an authorized user on a XXXX freedom unlimited credit card for many years, but the card does not show up on my credit reports. I have had this card since before I was issued an SSN. After I was issued an SSN ( XXXX months ago ), I made sure to update the information with Chase. I have already contacted XXXX to make sure that they were reporting the card to the credit bureaus. Two other cards that I have are showing up on the credit report, but they are less than XXXX  months old and thus I am not being issued a credit score. I wish to have this resolved ASAP so I can use my credit score to apply for a mortgage.
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This company has reported negative items on my credit even though I have maintained that these debts are not mine. These appear to be utility accounts opened using my name and social security number. I have asked the company to provide a photo identification of the person that opened these accounts and I will provide my photo ID, so that they can be compared and to prove once and for all that these are not my debts.
Consumer complaint received 2024-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was supposed to receive my direct deposit by Friday, XXXX XXXX at the latest but as you know, there were issues with direct deposits so I never received the {$470.00} that I was supposed to. My manager called the payroll company, XXXX, on Saturday XXXX XXXX and was told we would have a deposit within the hour. It was longer than that but I finally received a deposit of {$460.00} which was an incorrect amount. I let it go and discussed it with my manager. Then, come Tuesday XXXX my account was ''preauthorized debited '' in the amount of {$470.00} which then put my account into the negative and I received an overdraft fee of {$35.00}. I called my bank, Citizens Bank, and they reversed that fee for me but still NO paycheck. I've been promised now the past FOUR days that I would have my {$470.00} back into my account by the end of the day starting Tuesday XX/XX/XXXX. Still nothing and now a new overdraft fee of {$35.00} because even with THIS weeks deposit, I'm still in the negative with no date or time or info as to when I will be receiving my money that I worked for BACK!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

On XXXX, I call Equifax because I wasnt able to access my credit report. After that 30 min call, was told I need to mail my original social security card to confirm I am who I say I am. I explained that I already uploaded my drivers license which has my current address ; and I uploaded my passport. I also explained that I submitted my court name change document signed by a judge & notarized. Very frustrating call. I called back the same day at XXXX XXXX  to get the website to upload my info again because mailing that type of information is not secure and will subject me to more identity theft with fraudulent activity. The gentleman was helpful and said that he can authenticate me over the phone saw the info XXXX sent ; and I gave him all the information needed. He kept saying the year of XXXX and I kept correcting him and told him to look at the documents. He then lifted the restriction and I had access to my credit file. My credit file was due to update XXXX. I went to access it and everything was blank saying I had no credit. Everything was completely erased. It said to call customer service and get the code of XXXX. I called the morning of XX/XX/XXXX and gave that code. They then told me that they are not giving me access until I mail my drivers license. I explain to them that I do not feel comfortable mailing that type of document in the mail and it was already uploaded along with the other documents. Again a very frustrating phone call. They are extremely inconsistent and it depends on who you talk to. I am trying to get a home loan and all the lenders appear to be having problems with Equifax! I am as well. The attached are the documents that I have submitted several times to Equifax and for them to say they dont have it on file although it was verified before being on file is a big red flag which is why I do NOT feel comfortable mailing it directly to them ; copies and especially originals. I feel like their actions are more retaliatory bees use Ive been holding them accountable. They are making me and the lenders jump through unnecessary hoops.
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. (IL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
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)

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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV INC. (TN)

Account Name Merchant ID Status Date Added XXXX Status XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX who was going to use the software XXXX XXXX. They are the credit card vender for XXXX XXXX. I decided not to use this company and cancelled everything associated with it. This credit card company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$29.00} out of my account monthly until XX/XX/XXXX. That is a total of {$710.00}. I NEVER PROCESSED A SINGLE CREDIT CARD THROUGH THEM. They only agreed to refund the last 3 months. I feel I am entitled to a full refund.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (WI)

Ive sent servel letters to this creditor and they have not yet to follow you guys rules. 
XX/XX/2022 MIDLANDAND CREDIT MANAGEM {$850.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (IN)

Company name : FORTIVA Address : XXXX XXXX XXXX XXXX XXXX XXXX Action taken : Closed the account immediately even though I was approved. Closed because they deceptively and fraudulently ran my credit.

Date of fraud occurrence : XX/XX/year> Date Account closed : XX/XX/year>
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc (TX)

Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681 ( e ) ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : XXXX XXXX XXXX  Account XXXX Date of Charge-Off : XX/XX/year> Amount : {$46.00} The information regarding this account is inaccurate and incomplete. Under Section 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports.

I believe that your agency has failed to meet this standard in regard to the reporting of this charge-off. I respectfully request that you re-investigate this matter by contacting the original creditor to verify the accuracy and completeness of this information. If the account can not be verified or is found to be inaccurate, I demand that it be promptly removed from my credit report in accordance with FCRA 1681 ( e ) ( b ).

Additionally, under Section 611 of the FCRA, credit reporting agencies must investigate disputes within 30 days. If the charge-off can not be verified, the credit reporting agency is required to delete the inaccurate information from my credit report.

Please send me written confirmation once the investigation is complete and the inaccurate charge-off has been removed. I expect a response within the 30-day period, as required by law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (CA)

On the XXXX XXXX XXXX XXXX around XXXXXXXX XXXX XXXX  XXXX experienced a national wide outage or internet errors, at that time i was transfering my money from my XXXX XXXX  XXXX XXXXhecking account to a linked savings account at an online banking company called SoFi , due to the internet. The money being transfered initially was XXXX, XXXX grands, which is all my balance at XXXX XXXX XXXX checking account, but the XXXX XXXX XXXX system was glitching and the money didnt appear to go through at XX/XX/XXXX around XXXX. However, i didnt know that XXXX XXXX  XXXX was having internet issues so that i did the same money-transfer action again for totally 3 times, 2 times on XX/XX/XXXX and XXXX time on the XXXX, However, after 2 days my XXXX XXXX XXXX XXXXXXXX account was showing a negative balance around XXXX grands. So the actions i did at XXXX XX/XX/XXXX and XXXX were all effective but i didn't know. The XXXX goes to my sofi and it was soon being denied and reversed. Soon my sofi checking and savings account were restricted and Sofi wished me to dial them for more information, which i did, XXXX, in the following 2 weeks. However, all the responses i got was telling me to keep waiting for information, i just contacted with them last night and the telephone operator was telling me that their security team wasn't following up my escalation request that filed 1-2 weeks ago, which was quite frustrating. I had provided every pieces of information they required for potential inspections.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DIGITAL FEDERAL CREDIT UNION (CA)

On XX/XX/year>, a checking account was closed at DIGITAL FEDERAL CREDIT UNION, and subsequently charged off, then ultimately reported to XXXX as a derogatory item in my name, and on a credit report with the company XXXX. This account is FRAUDULENT and a result of IDENTITY THEFT. I have attached all necessary documents to provide all legally required proof of such statement, and I as the consumer do state that all information in this complaint/dispute is true to the best of my knowledge. Please remove the account from XXXX, and halt all attempts to hold me liable for this fraudulent account. Under the FCRA 605B ( 15 U.S.C. 1681c-2 ), you have ( 4 ) business days to block the reporting of this information. I demand that such action, under my rights afforded to me by the FAIR CREDIT REPORTING ACT, be taken immediately. I will not let my rights be violated and I will take every necessary action in order to rectify these fraudulent accounts reporting negatively against me, including pursuing litigation if these demands are not met in the allotted time frame. Thank you.