davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

This company is reporting a late payment for XXXX XXXX  but this account has never been late for the life of the loan. Its simply rude representatives that do not care anything about the consumer or trying to resolve an issue that is of no fault of the consumer. This company responded to a complaint but omitted key information. The company failed to disclose that each time I called them I explained to them that I mailed in the first letter in the appropriate amount of time and was repeatedly told by the representatives that there was nothing they could do to help me and that I just needed to make regular payments. I kept calling. I did not just decline as they put in their response. That doesnt make any sense why someone would continue to call just to decline to pay. I explained that I was on XXXX XXXX in an austere environment and could not receive phone calls or mail from XXXX XXXX XXXX to XXXX XXXX XXXX. This company is lying by leaving out so many important facts. I gave them proof that I was on XXXX XXXX and the representatives laughed at my situation over the phone. I could only use the phone a few times. I sent that paperwork through the mail and whoever accepts the mail for the company did not get it to the right place. The included apology is just another slap in the face. Im never buying another XXXX after this. A horrible way to treat XXXX when I called repeatedly telling you I could not accept phone calls or receive mail and that I needed to handle the situation while I was on the phone calling YOU. I have provided proof that I was on XXXX XXXX This company is reporting this situation inaccurately. This is in violation of 15USC code 1666b. The company is also violating 15 USC code 1681i ( 5 ) by reporting inaccurate information. They keep saying that they did not receive a form back however I have repeatedly called and told them that I mailed the form in as instructed on the form. They can not provide any proof that they did not receive the form that I sent in. The requirement to provide proof is on the company and they have not done that. They just want to take advantage of a military member that had no way of contacting them except sporadically due to training. They are even misspelling my name in the responses, continuing with what seems to be the standard of reporting inaccurate information.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-10-04
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. (PR)

After making my monthly review of my Consumer Report and viewing my Credit Score. I find TRANSUNION is violating my rights as a consumer by improperly reporting a number of items that should be excluded from my consumer report. Your company TRANSUNION is reporting an ADVERSE ACTION on a few line items listed on my Consumer Report. The accounts or line items are listed below. 
I am making the following complaint and dispute against TRANSUNION on the basis of violating my rights as a consumer by reporting on my consumer report an ADVERSE ACTION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US CODE 1681m ( b ) ( c ). A line item listed on my consumer file as an ADVERSE ACTIONS or OLDER DEROGATORY EVENTS under section or line item 2 YEAR HISTORY, LATE PAYMENTS 30 day past due, 60 day past due, 90 day past due and 120 day past due Your company TRANSUNION is in direct violation of 15 US code 1681m ( b ) ( c ) Requirements on Users of Consumer Reports,15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for TRANSUNION to report my transactions or experiences between me ( the consumer ) and several accounts ( The person or persons making the report ). However, the accounts listed below ( The Person making the report ) has reported to TRANSUNION my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to TRANSUNION and by TRANSUNION on my consumer report. A consumer report by TRANSUNION listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from the listed accounts reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding ADVERSE ACTION as it is described regarding EXCLUSION pertaining to TRANSACTIONS or EXPERIENCES. My complaint against TRANSUNION does meet the standard set by 15 US CODE 1681m Requirements on USERS of Consumer Reports, 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that TRANSUNION remove the Consumer file listed as 2 YEAR HISTORY, OLDER DEROGATORY EVENTS 30 day past due, 60 day past due, 90 day past due and 120 past due and LATE PAYMENTS with accounts listed from my Consumer Report.
Consumer complaint received 2024-10-04
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)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-04
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. (FL)

Even though Ive tried countless times to get the fraudulent, inaccurate, and misleading info removed from my consumer report, the issue still isnt fixed. These items have seriously turned my life upside down, bringing a whole lot of stress and anxiety. I really need to stress again that I didnt authorize or agree to have this info linked to my name, as Ive been a victim of identity theft.
Consumer complaint received 2024-10-04
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. (NJ)

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 XXXX XXXX  Account Number : XXXX Account Name : 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 2023-08-10
Product: Credit reporting, credit repair services, 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 sent in Identity theft letters, reporting this and its been well over XXXX. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA XXXX5 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate.
Consumer complaint received 2024-10-04
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This is a formal complaint that the credit reporting agency. I sent several disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023. But Experian, XXXX, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy that states under 15 U.S.C. 1681e ( b ) in the credit reports they publish. 
Under 15 U.S. Code 1681i, Experian, XXXX, and XXXX have 30 days to complete the investigation from the date they received my dispute and send responses. However, I never received a response nor investigated the inaccuracy on my credit report
Consumer complaint received 2024-10-04
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-04
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 am urgently writing to inform you that I have been the victim of identity theft, leading to numerous fraudulent entries on my credit report. These accounts and inquiries were added without my consent, and I demand immediate action to rectify this situation. 

Accounts - 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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and require the immediate removal of these unauthorized items. This is critical to restoring the accuracy of my credit report.
Consumer complaint received 2024-09-11
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)

I disputed late payments on my credit report. 
Dates XXXX I never had a late payment. My dispute was put I. XXXX they finally got back to me XX/XX/XXXX saying verified without sending how they verified the information
Consumer complaint received 2024-09-11
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference
Consumer complaint received 2024-09-17
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. (MS)

I XXXX XXXX am a natural person submitting this complaint... I am not using a third-party agency. I have sent in disputes to Equifax asking them to delete a charge off and a repossession off my consumer report. I have asked them to please provide me with the method of validation, I would like to know the steps that was used to validate this debt I need all correspondents of who you spoke with their phone numbers and email address, etc. Equifax does not have 30 days to respond they have 15 days to respond. simply matching a name and date of birth is not enough to say that they have validated the debt that they perceive to be min ; that is merely a verification process. I need to know the method of validation. I also wanted to make note that my last date of activity is inaccurate. my last date of activity is being updated continuously with a repossession and a collection/charge off account which is inaccurate because that falsifying date of payment information.
Consumer complaint received 2024-09-17
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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-17
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. (NY)

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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-09
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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with 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 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 60 days 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. 

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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 XXXXXXXX. Also these inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Please remove these items ASAP.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.