davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (VA)

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX concerning their inaccurate reporting practices to the Consumer Reporting Agencies. My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( Experian, XXXX, and XXXX ). Specifically, the account in question is reported to only XXXX of the three bureaus, leading to incomplete and inaccurate information on my credit reports.

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm.

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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 to whom the report relates. 

I have been disputing the following account and it keeps getting validated. XXXX XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and Experian has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 


USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 




XXXX : XXXX, Beneficiary WithOut Prejudice
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX. XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$670.00} XXXX. XXXX XXXX XXXX  {$890.00} XXXX. XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXXXXXX XXXX XXXXXXXX {$2100.00} XXXX. XXXX XXXXXXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-01
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. (FL)

I am writing to file a complaint against XXXX XXXXXXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructionsXXXX XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. Thank you for your time and attention to this matter.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Individuals with ITINs face serious limitations as they are unable to access their credit reports from two of the three major credit bureaus, specifically TransUnion and XXXX. This situation significantly increases their vulnerability to fraud, as they can not monitor their credit history and detect suspicious activities in a timely manner. Currently, only XXXX allows individuals with ITINs to access all its services, including credit monitoring, credit freezes, and credit scores. 

It is unreasonable that other bureaus like TransUnion and XXXX do not offer the same services, especially considering that implementing these functions for ITIN holders is clearly not impossible. The lack of complete access to credit information puts these individuals at a disadvantage and less protected against fraud, which could have severe financial consequences for them. 

I urge the CFPB to take action to ensure that all credit bureaus provide equal and comprehensive access to ITIN holders, just as XXXX does. It is crucial to establish uniform standards that protect all consumers, regardless of the type of identification they use.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX is reporting on my credit report that I owe the company when the account was paid in full. The credit bureaus keep verifying that a balance is still owed and the account is verified which isn't correct. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission.
Consumer complaint received 2024-09-25
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-25
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of trafficking. 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 XXXXXX/XX/XXXX 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 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Michel Law, LLC d/b/a Level One Law (NY)

On XX/XX/2023, I contacted XXXX XXXX in response to a direct mailing that I was pre-approved for a debt consolidation loan. 

I was told that the company assists not by giving you a loan but by contacting your creditors and settling your debts for less than you owe using Level One Law law firm. 

I was told to stop paying my creditors because an account with a company called XXXX XXXX would be opened for me. I would make payments of {$400.00} on the XXXX and XXXX of each month, which would be used to pay off my creditors and applicable fees. 

I was told about the fees and costs associated with the program. I inquired if these fees are charged upfront and were told no, these fees are collected once my debts are settled. 

I made my first payment on XX/XX/2023. ACH debits were also made on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. On XX/XX/2023, I checked my XXXX XXXX account and was shocked to see that my account only had {$100.00}. All the money I have paid thus far was not saved to pay my creditors ; nearly all the money was being applied to fees. 

I emailed the company on XX/XX/2023 requesting to cancel and get a full refund of the {$2000.00} paid thus far. I only received an automated response that someone would reply in XXXX business days. 

I called on XX/XX/2023 to make my request and was told I could do it over the phone or in writing using the form in my welcome packet. No such cancelation form was given to me, so I canceled over the phone. 

I was told by the agent that once I canceled, I was only entitled to the balance left in my account. My only recourse was to wait until I got the {$100.00}, call back, and see if a supervisor could do anything for me.
Consumer complaint received 2023-07-03
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 — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX it's been more than 43 days since i wrote and they haven't responded to me, according to the law section 611A. they must remove everything that can not be verified from my credit and i was avictim of the Equifax data breach
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Dispute of Incorrect Information due to Identity Theft and National Breach for Deletion/Blocking inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To whom this may concern, Upon further reviewing my TransUnion Credit report XXXX I noticed there is a name reporting on my credit report that is not mine. The name reporting on my credit report is XXXX XXXX. My name has never been XXXX XXXX. My name has always been XXXX XXXX. 

I also learned after speaking back with the creditors, which I paid in full mistakenly while trying to get my credit score high enough to build and establish my credit more that the negative accounts that were reporting negatively are tied to that name and an address that is also reporting on my TransUnion credit report which I've never lived in my life.

I am writing to formally dispute certain inaccuracies reporting on my credit file, which I know for a fact are a result of identity theft, steaming from the recent national breach. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incomplete or inaccurate information on my credit report, and I respectfully request the immediate deletion or blocking of the following erroneous entries : Name : XXXX. XXXX XXXX Negative Items reporting on my TransUnion Credit Report that are tied to this XXXX XXXX name above that I would like to have deleted/blocked : XXXX. XXXX XXXX & XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Legal Basis : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c - 2 ), I have the right to request the immediate blocking of the information resulting from identity theft. Specifically, FCRA 605B provides that credit reporting agencies must block any information that a consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving appropriate documentation. 

I look forward to a speedy resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-09-16
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. (MA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In may I called Bank of America to see if they had any 0 interest rates going on and the rep told me to send him a copy of my id and social security card XXXX open me a high yield account and I said no to him and I didnt send him no Id or my social security card, then I get a statement that I opened a new credit card and I didnt do it it was that rep that fraud rd my card of a XXXX dollars and Bank of America will not give my money back Ive been disputing this since XX/XX/XXXX and it should not have went off my credit card account .bank of americas trying to make me pay for something I didnt do and Ive been with them since XXXX, so please help me get my money back, Im a senior citizen living on fixed income