davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-16
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-19
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. (MO)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

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 2024-08-02
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. (CA)

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 2024-08-02
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. (IL)

I did not authorize these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX  XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX I Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXXXXXX Date of request ( s ) XX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with those crediotrs 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 those account 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VT)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-11
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. (AL)

Experian is reporting an account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX XXXX XXXX  XXXX that starts with XXXX Fair Credit Reporting Act 15 USC 1681
Consumer complaint received 2024-09-11
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. (NC)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 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/year> 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 2024-08-19
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. (MD)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-19
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. (PA)

I did not authorize XXXX XXXX on XX/XX/year> and XXXX on XX/XX/year> to pull my credit file, these where fraudulent attempts to get credit cards in my name, i would like these inquiries investigated and removed from my credit file.
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-16
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. (AL)

On XX/XX/XXXX, I had an accident in my XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX declared that the vehicle was totaled. The adjuster from XXXX XXXX XXXX was provided with three incorrect letters of guarantee from XXXX XXXX. The adjuster asked if I could get my attorney involved because they were not providing him with any information. Each letter XXXX sent to the adjuster was the total amount of my loan, not the vehicle. On XX/XX/XXXX, XXXX XXXX cleared the total of my XXXX XXXX XXXX for {$16000.00}. I received a call from XXXX XXXX requesting a payment toward the remaining balance on the account which was {$1900.00}. I advised the agent that I could only pay {$250.00} at the time and I could make a payment every two weeks to clear the balance. On XX/XX/XXXX, I received a notification via email from my Equifax account that XXXX XXXX reported {$1700.00} as a charge-off on XX/XX/XXXX. I spoke with four agents from XXXX XXXX on XX/XX/XXXX, concerning this matter. I asked if XX/XX/XXXX, to XX/XX/XXXX, 120 days to put a charge off on my credit. They only provided the address to dispute the report on my credit. It took from XX/XX/XXXX to XX/XX/XXXX to provide the correct letter of guarantee and receive a payment.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with those creditors 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 those account 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

In Accordance with the Fair Credit Reporting Act The list of accounts has violated my federal protection consumer rights to privacy and confidentiality under 15 usc1681Account name XXXX XXXX XXXX account number XXXX. 
Has violated my rights to privacy.

15 usc 1681 section 602 A states I have the rights to privacy.

And according to 15 usc 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items or information any other adverse.
Consumer complaint received 2024-09-16
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)

I contacted the creditors and credit reporting agencies involved in the inaccurate reporting of my credit. Equifax, XXXX XXXX, XXXX, and XXXX. I asked that the inquires be removed from my account, they weren't, I also asked for them to delete certain accounts and they didn't. I also asked these credit bureaus to stop reporting old addresses by first calling them, disputing through XXXX XXXX, now I'm submitting a complaint through your bureau for all three as well as XXXX XXXX, I asked them to clear up old accounts, addresses and derogatory information and they refused. Illegally using and reporting my information and keeping my credit history and score at an inaccurate, discriminatory level. After careful research these companies have violated numerous Titles, sections and statues in Consumer Law, there are but not limited to : THE FAIR CREDIT REPORTING ACT THE FAIR DEBIT COLLECTIONS PRACTICE ACT TRUTH IN LENDING ACT CONSUMER CREDIT FAIRNESS ACT FAIR CREDIT BILLING ACT EQUAL CREDIT OPPORTUNITY ACT *Title 12 CFR 1006.6,1006.10,1006.10,1006.14.1006.18,1006.22,1006.26,1006.30,1006.42, 1026.4 Title 15 U.S.C. 1605,1611, 1666 ( b ) ( d ) ( i ) ,1681, 1681m ( d ) 15.3 Discrimination, 819.122 and 123, 7286.0, 7287.0 Title 18 U.S.C. XXXX XXXX Title 18 U.S.C. 666 Title 18 U.S.C. XXXX XXXX 1001,1002,1004,1005,1201 ( a ) ,1028, 1028 ( a ) 241,242, 287 and 2340 Title 31 U.S.C. 1301 and more
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been unable to obtain my free weekly  XXXX credit report through www.annualcreditreport.com for over a year. I have had to purchase a XXXX membership through XXXX to obtain my XXXX credit report. According to Federal Law, I should be able to obtain a free credit report weekly. I am able to obtain a free weekly credit report from XXXX and Transunion through www.annualcreditreport.com ; however, due to an " error '' in the XXXX website or an " error '' in www.annualcreditreport.com, I am not able to obtain my XXXX Credit Report.
Consumer complaint received 2023-10-28
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: GOLDMAN SACHS BANK USA (PA)

I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an Apple Card. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the XXXX credit report as well, and I filed a dispute with XXXX. On XX/XX/2023, XXXX said that the account was valid. On XX/XX/2023, I called Apple Card and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the XXXX report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. 
On XX/XX/XXXX, I checked the XXXX report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the XXXX report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. 
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.