davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. I sent correspondence regarding this issue more than 30 days ago but have received no reply, nor have they provided adequate validation of these entries. I am seeking your help to address this situation.
Consumer complaint received 2024-09-19
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)

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

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

15 U.S. Code 1691i ( 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, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HGREG.com (FL)

I went to hgreg to inquire about a car. I told them not to run my credit as I wasnt sure what I wanted to do and I would contact them to let them know. I have a witness who was with me and the guy XXXX who works at the XXXX location said he would not run my credit. As soon as I left the company ran my credit 7 times. I ask him why he did that and he said he forgot I asked him not to. I had my friend with me who can verify he said he would not run my credit. I asked to speak with a manager but no one would talk to me and he refused to take my calls and wont call me back. Its not right that companies can do this without any type of repercussions.
Consumer complaint received 2024-09-19
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. (FL)

XXXX XXXX XXXX is tarnishing my and credit profile by reporting this account without consent. As well as creditworthiness, character, general reputation which also against the FCRA. 
. 
The original creditor, who has violated my consumer rights by failing to abide by the arbitration clause outlined in our alleged contract. If I do owe this alleged debt, I should have been given the opportunity to resolve the matter through binding arbitration, as specified by the contracts terms. 

The original creditor did not initiate or allow arbitration as required, which constitutes a breach of the alleged agreement. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15USC 1681 b, company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Consumer complaint received 2024-09-19
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-13
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: EQUIFAX, INC. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
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. (CA)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-19
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)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have attached FTC reports with reference numbers XXXX and XXXX
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (OH)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MA)

To Whom it may concern. I have been reported by a XXXX  credit card company as no payment and charged off. XXXX XXXX act # XXXX and XXXX XXXX act # XXXX. I'm unfamiliar with these accounts and they do not belong to me XXXX XXXX, or my company XXXX XXXX XXXX. I've reached out to dispute with Equifax Commercial Services but they have failed to verify the accuracy of this account. They informed me " ONLY THE CREDITOR/LENDOR CAN REMOVE THIS. ''
Consumer complaint received 2024-09-19
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED, AND THE SUPPORTING DOCUMENTS, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

Hello my account was closed without a resolution to the unauthorized transactions that was made on XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX ATM ID XXXX CARD XXXX {$900.00} XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX ATM ID XXXX CARD XXXX {$1000.00} XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX ATM ID XXXX CARD XXXX {$1000.00}
Consumer complaint received 2024-09-19
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. (MI)

as per the guidance from the consumer financial protection bureau ( cfpb ) the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage which falls under trafficking according to XXXXXXXX final rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bal. {$700.00} XXXX XXXX XXXX. {$270.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I wrote to XXXX in XXXX and asked for the removal of the accounts mentioned below for inaccuracies. they have not removed them. I request the immediate removal of the following negative items from my credit report, as they are unjustly affecting my creditworthiness : XXXX XXXX have not been provided with an account number or details, yet this account appears on my credit report. I can not validate this account, and I believe it should be removed if they can not provide appropriate information. 

XXXX XXXX  have no open accounts with XXXX XXXX, yet I am being reported for delinquent accounts every month. I request that the CFPB ask XXXX XXXX to validate these accounts or remove them from my credit report.
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 — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MN)

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB. On XXXX XXXX XXXX XXXX XXXX  Self/LEADBANK claims to have done a thorough investigation and verified the information on my account as accurate. The Date of First Delinquency ( XXXX  ), is clearly inaccurate showing I was 30 days late in XXXX as well as 30 days late in XXXX this is clearly not accurate even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the Self/LEADBANK account number XXXX XXXXXXXX the account shows two different delinquency ( 30 days ), which is misleading and impossible. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated XXXX ' days delinquency suggests multiple XXXX, which is inaccurate since the date of first delinquency was listed as XXXX XXXX XXXXXXXX. This ongoing inaccurate reporting constitutes a violation of my rights under the FCRA.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (CA)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-19
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)

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2021 XXXX XXXX XXXX XXXX2021 XXXX XXXX XXXX2021 XXXX XXXX XXXX XXXX XXXX2021 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-19
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. (AL)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my cThe existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.redit report.
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CA)

Hello, my name is XXXX XXXX and through this portal, I want to formally file a complaint against Eastern Account System Inc. This collection company is reporting an account on my credit report in which the balance has been paid but they are still reporting it. On XX/XX/year>, I filed an arbitration process against this company through the American Arbitration Association ( AAA ), however, the arbitration process was closed because the company did not pay its fees. 

I am attaching a copy of the document I received from AAA. I kindly request that an investigation be initiated against this company as they appear to be evading their responsibilities. 

This situation has been stressful for me, I have spent time and money trying to resolve this in the best way possible but the company has ignored all my correspondence.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have never been late in making my payments. I previously contacted the company, but they did not respond to my request. I am now requesting that the late payment reported for XX/XX/XXXX be removed, as it did not occur. 
Thank you for your assistance in these matters. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$11000.00}
Consumer complaint received 2024-08-27
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)

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 XXXX 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.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.