davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$390.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX, XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

In XX/XX/2017, I was offered to sign up for BestBuy credit card through Citi bank at my ( former ) local BestBuy in XXXX, ND. Since I am a regular BestBuy member, I accepted the offer. A few months ago, I realized that the Member ID number on the credit card didn't match my BestBuy account number. I have made many calls to both BestBuy and Citi bank. While I think it was Bestbuy 's fault to associate a wrong account ID with my credit card, Citi bank has failed to protect me as a consumer. There is no direct communication between both corporations and I feel that I have been deceived. If I don't find a fair resolution, I intend to file a legal compliant in court. 

My Credit card info : Name : XXXX XXXX Last 4 on credit card : XXXX Member ID on the card : XXXX
Consumer complaint received 2024-06-22
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. (CT)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I am writing to formally request the urgent removal of inaccurate information from my credit report, maintained by Equifax. Despite my previous efforts, including a report submitted on XX/XX/scrub> 2023, these inaccuracies remain unaddressed. This situation requires immediate attention and resolution. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that credit bureaus ensure the accuracy of the information on credit reports. Additionally, under consumer law, any information that can not be verified must be promptly removed. The failure to respond to my initial report and the subsequent inaction has caused undue harm to my credit score and financial health. 

As a result, I am providing you with a final notice to rectify and remove the inaccurate information from my credit report within five ( 5 ) business days from the date of this request. Failure to comply will necessitate further action, including contacting the Consumer Financial Protection Bureau ( CFPB ) to monitor this situation closely and ensure compliance with federal regulations. 

Please find below the details of the inaccurate information for your reference : I trust that you will address this matter with the urgency it warrants. Please do not hesitate to contact me should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and assistance.
Consumer complaint received 2024-06-26
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)

XXXX, XXXX, & Equifax continue to report the account XXXX XXXX Account # XXXX the account is reporting incorrectly. The consumer agencies knows they can not lawfully validate or verify this account. The banks are federally insured and dont incur any losses due to the insurance being paid on defaulted accounts. The law further states any account charged off with a balance should be returned to the consumer. This is my final attempt to get the consumer agencies to follow law as it is outlined or face the consequences.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently discovered an account on my consumer that does not belong to me, I requested SSA-89 Form and haven't gotten any proof that bare my signature of said allege debt, this is a clear violation of my consumer rights. 15 US 1681B, please delete this item from my credit report withing 4 days of this receipt and honor 15 us 1602 c-2 the items belong needs to be deleted, Account, ( XXXX XXXX XXXX XXXX XXXX, INQUIRY XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-25
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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

A few years ago I sent My personal information to Equifax Credit reporting agency at that time they wore a breach in Equifax Technology and XXXX Information was stolen Because of that Since then I have received all these negative information on my credit report that is not mine and I want them off. The first account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXust to name a few of the accounts that I saw on my credit report also some of them are in a collection status and some of them are in a charge of status. All these collection accounts and charge off accounts that are listed on my report are not mine. I have never been late on any of my obligations And to see the credit reporting agency Destroy My life when they were in the wrong.in accordance with the fair credit reporting act convergent accounts all of them has violated my Rights 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.
Consumer complaint received 2024-06-25
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. (NY)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-06-25
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-25
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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransunionXXXX credit reporting agency has put incorrect information on my credit report pertaining to my mortgage loan, they marked me late for the months of XXXX 2024 .my loan was not late each of those months, my mortgage loan was paid on time and also I spoke to XXXX XXXX  XXXX mortgage about the situation and they stated that my account was not late and for me to take this matter up with the credit bureaus that reported me late. I have reached out to the credit bureaus but I haven't gotten anything in return from them.
Consumer complaint received 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (VA)

As has happened many times before when requesting all three credit reports through XXXX XXXX XXXX, I might get one or two reports before the process goes off the rails. Today a report was received only from the first one I picked, XXXX. When it came to the next report, the URL XXXX XXXX XXXX showed ERR_CACHE_MISS. Going back to the first website failed to return me to where I could pick another reporting agency, it sent me back to where I had to put in all my information again. After doing that : Equifax results : We're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 

XXXX results : A condition exists that prevents XXXX from being able to accept your request at this time. 

It's pretty clear that the latter two companies already registered my request for the reports even though they failed to actually provide those results.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within two weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( XXXX ) at your earliest convenience. 


Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-22
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)

Im am sending a second notice to XXXX XXXX, XXXX and equifax Which are all aiding in the reporting of non public information without my expressed consent Including accounts : XXXX : Account : XXXX U S DEPT OF EDXXXX, Account Number : XXXX XXXX. XXXX : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. Equifax : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I am demanding the immediate deletion of all accounts above I have opted out of all creditors sharing my non public information and I have opted out of cras Doing the same which Puts both in default of bad buisness practices and fraud
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

MISSOURI HIGHER EDUCATION, Equifax and XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX