davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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. (GA)

XXXX XXXX XXXX XXXX  I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if XXXX and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX My XXXX  account was reported late in XX/XX/2024, however I made a payment on my account at the XXXX store. When I disputed it with XXXX they said the payment was made, however, something about the billing cycle that I did not understand. The payment was made after the previous payment due and for more than the required minimum.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I disagree with the account listed below XXXX XXXX XXXX XXXX. Account number XXXX which still appears on my credit report even after your investigation. I recently reviewed my credit report and noticed inaccuracies on my account. I would like this account immediately reinvestigate for the same exact thing we discussed. This account is injurious to my credit score. In accordance to the fair credit reporting act public law.91-506. Title VI, section 611, subsection A-D. Please provide the names and business address in which you verified the account, so that I may follow up. Please send me an update copy of my credit report after the your reinvestigation.
Consumer complaint received 2024-07-14
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. (AZ)

I am a victim of identity theft. The information listed 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. 
My primary name is reported wrong, inaccurate and incomplete Account name : XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

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.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, MI XXXX Dear XXXXXXXX XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I have banked with Citi for more than 25 years. In late XXXX of this year, I deposited a check I received for some consulting work. It appears that the check was fake. Even though I was a victim here, Citi froze all my funds, more than {$70000.00}. The bank has refused to allow me to close the account and has refused to allow me to withdraw my funds. I have made numerous efforts to get an explanation for why my funds were frozen, and I have made numerous efforts to get the bank to release my money. Citi has refused. Furthermore, Citi has refused to tell me why my accounts were frozen. As a result, I have suffered serious ongoing hardships. 

Please help me.
Consumer complaint received 2024-07-14
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. (FL)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ). By law the consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses they are not my addresses ; I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
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: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

According to Federal law 15 U.S.C 1681, these agencies are not permitted to report inaccurate information! There are multiply addresses for me on my credit file. Only one is accurate and current. The need to be removed immediately to ensure the my consumer file is accurate and up to date. I have no delinquent accounts that should be reporting on my file. All of my cards are paid with less than 30 % utilization. There multiple incorrect names on my file.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my XXXX consumer report from a company named XXXX XXXX XXXX Account Number XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report and Experian filed FROZEN DUE TO FEDERAL LEGISLATION proof enclosed in the CFPB complaint. 
XXXX XXXX outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : XXXX fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number XXXX with a balance of USD XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to XXXX XXXX  last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with XXXX, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XXXX  2023 2023
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. (FL)

I was checking my credit reports from XXXX and Equifax and it states that I was 30 days late and I was forgiven for XXXX and I paid XXXX early. This is a very bad problem because I am in a position I am trying to get a vehicle, etc. I have nobody to help me as I lost my employment, car and home. Please fix ASAP!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my credit reports from Transunion and XXXX and it states that I was 30 days late and I was forgiven for XXXX and I paid XXXX early. This is a very bad problem because I am in a position I am trying to get a vehicle, etc. I have nobody to help me as I lost my employment, car and home. Please fix ASAP!!
Consumer complaint received 2024-08-20
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. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.
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: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NY)

I'm being charged late fees even though I have made payments 4 to 6 days before due date. I've called many times to try to get this resolved but it keeps happening. I have also written to the bank. I received their response saying that they investigated and found the charges to be valid. I wrote to them again enclosing a copy of my bank statements showing that payments were made well in advance of the due date. They are obviously not posting my payments until after the due date so they can charge a late fee.
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: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to XXXX and or remove these accounts : EXPERIAN, XXXX, XXXX DISPUTES XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX > {$500.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX {$720.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX > {$700.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.