davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-07-10
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. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

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

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-10
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. (IN)

It is evident that your company failed to conduct a thorough investigation into my dispute. I want to emphasize that I have a legal right to request substantiating evidence for this alleged item, notably the original application, item, or contract that bears my signature.

Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that a failure to investigate these matters within a 30-day timeframe provides sufficient grounds for the immediate removal of these items from my credit report. As it has been more than 30 days since my initial dispute, it is evident that this matter is in clear violation of the FCRA.

In light of these legal provisions, I hereby demand the immediate deletion of this disputed item from my credit report to bring it into compliance with federal law.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I noticed since XX/XX/year> that you have charged off my XXXX XXXX XXXX XXXX XXXX, but I never received a 1099 for the balance of {$1700.00} that you reported to the IRS. Could you please forward the 1099 to me immediately or update my balance with all credit-reporting agencies to XXXX? You will find my email address in the information section below.
Consumer complaint received 2024-07-10
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. (NY)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-09
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)

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 2024-07-12
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)

-It has come to my attention that There are unauthorized hard inquires from : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. I did not authorized and I am requesting that all hard inquires be removed off XXXX, XXXX and EQUIFAX credit reports immediately. 

-Also it has come to my attention that my XXXX XX/XX/XXXX account is not reporting on my consumer credit reporting to XXXX and ask that XXXX account reflect on my credit report. 

-Also my XXXX XXXXXXXX XXXX opens XX/XX/XXXX account was removed off my credit report without my authorization. I'm requesting that XXXX XXXXXXXX XXXX account be reinstate and reflect on my credit report XXXX, XXXX and EQUIFAX. ( Accuracy of report ) 15 USC 1681e ( b ) USC 1681 section 604
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-07-10
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. (IN)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.
Consumer complaint received 2024-07-10
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. (CA)

I recently reviewed my credit report and discovered several inaccuracies. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in a consumer report.

Furthermore, under 15 U.S. Code 1691i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the inaccurate information and notify the information provider.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-01
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have disputed Bank of America several times about this account. Each time they are saying it is reportable because I owe this debt. The debt is too old to be on my account. Recently XXXX and XXXX has disputed this company only to get the same response. After talking with a Customer Service Rep with their company ( and this info has been recorded in their files ) he explained the XXXX process. They agreed to deleted XXXX account in XX/XX/XXXX but not the other. Both accounts were submitted to Credit Bureau agencies under the same circumstances. The account with the higher balance has had dates changed as to when it was submitted. ( see attached ) I am being told there is recent activity. How so? Last retail date on this account is XX/XX/XXXX. Last payment date is XX/XX/XXXX. I was told by the Customer Service Rep that any debt cancelled under IRS rules are the person is not obligated to pay the remaining balance. We are in the XXXX year of the XXXX issued in XXXX. Taxed amounts were paid. I am concerned that the amounts shown on XXXX are not in sync with the amount reported to credit bureaus as well. I have talked with 6-7 managers at Bank of America. None will release this debt but released the other. I filed a dispute with XXXX and XXXX  XXXX Bank of America reopened and reissued another report against me in XX/XX/XXXX for the same accounted they deleted in XX/XX/XXXX. XXXX  resolved dispute. XXXX just received theirs and dropped my credit rating. There seems to be a lot of confusion going on in credit and collections. Managers are very argumentative and will do vindictive things like reissuing reports that have been resolved. They also will list your account so no one can speak with you but XXXX of them.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to report unauthorized accounts that have been added to my credit report. Specifically, there are two accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX XXXX - This account was opened on XX/XX/XXXX, with an outstanding balance of {$500.00}. I did not authorize the opening of this account and have no knowledge of its transactions or activities. 
XXXX. XXXX XXXX XXXX - This account was opened on XX/XX/XXXX, with an outstanding balance of {$460.00}. Like the above account, I did not authorize its opening and have no knowledge of its transactions or activities. 

Upon discovering these unauthorized accounts, I took immediate action to dispute them through the appropriate channels. I am requesting that these accounts be investigated and removed from my credit report, as they were established without my authorization. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.
Consumer complaint received 2024-07-10
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. (LA)

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. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account : Account Number : XXXX Account Name : BANK XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX  XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-09
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. (FL)

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 2024-07-03
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. (NC)

" I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : 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> If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
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 credit report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute XXXX fraudulent hard inquiries that appear on my credit report. I did not authorize these inquiries, and I am concerned that they are the result of identity theft. I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and have been assigned the following reference number : [ XXXX ]. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, I have encountered technical issues accessing my credit report online, freezing my report, and disputing these inquiries through your online platform. As a result, I have been provided with XXXX different reference numbers related to these technical issues : [ Reference # XXXX ] Created via live chat by agent XXXX on XX/XX/year>, and [ Reference # XXXX ] Created via live chat by chat agent XXXX on XX/XX/year>. Ive yet to receive a call by phone. 

Please investigate these unauthorized inquiries and remove them from my credit report. I have enclosed a copy of my FTC Identity Theft Report and copies of my identification and proof of address to assist with your investigation. 

I appreciate your prompt attention to this matter and look forward to your resolution. Please inform me of the results of your investigation at your earliest convenience.
Consumer complaint received 2024-07-10
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-10
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. (NY)

I Have review a copy of my credit report and i have found fraudulent inquiries and collection on my report. Please remove this fraudulent inquiries from my credit report. they are hurting my ability to obtain credit.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My correct name is XXXX XXXX XXXX XXXX XXXX or XXXX XXXX Transunion is reporting my name as XXXX XXXX XXXX which is inaccurate. 
XXXX- is reporting my name as XXXX XXXX XXXX which is inaccurate the hephen is in the incorrect position. 

XXXX is reporting an inaccurate name of XXXX XXXX XXXX. The XXXX is the incorrect last name. 

My current and correct address is XXXX XXXX XXXX, XXXX, GA XXXX XXXX are reporting incorrect addresses that I don't recognize or never resided at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX  Transunion is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (OH)

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 balance owed incorrect . Total loss paid Personal Name reported XXXX XXXX XXXX XXXX XXXX XXXX All reports XXXX XXXX XXXX Montgomery- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-07-10
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. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.