davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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. (ME)

According to XXXX v Transition XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-03
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. (NJ)

ACCORDING TO 15 USC 1681I -  EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
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. (GA)

EXPERIAN REINVESTIGATION REQUEST NOTICE XX/XX/year> I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (IL)

On XX/XX/XXXX  I received a statement from Halsted Financial for a debt of {$160.00} ( which statement was dated XX/XX/2022 ). I reached out to the original creditor XXXX XXXX XXXX, XXXX and asked why this went to collections considering my account was on auto payments. Also, why I was never given a notice that this account was going to collections or so much as a bill for this account. I was told there was nothing the company can do from a woman named XXXX. That I would have to reach out to Halsted Financial because it had already been sent to collections. I wrote Halsted Financial on XX/XX/ explaining all of these things and asked : 1. The amount and time period of the alleged debt.

2. The full name and mailing address of the original creditor for this alleged debt. 
3. Documentation showing how they verified that I am responsible for this debt, or a copy of any judgment. 
I also mentioned in this letter to cease attempting to collect on this debt until they had provided me with this information. 
On XX/XX/2022 I received another statement from Halsted Financial. I have sent this information to all 3 credit bureaus certified mail. With the exception of XXXX  coming back because of the wrong address. 
I have yet to receive anything from Halsted since. 
I would also like to mention this is the only company that has reported any alleged debt on my credit report. All other companies have my credit listed as exceptional/outstanding.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-06-03
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
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. (CA)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update these erroneous account. 

XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope this message finds you well. I am writing to express my deep disappointment and frustration regarding the unresolved disputes I have submitted multiple times for inaccuracies on my credit report. 

Despite sending detailed letters outlining the inaccuracies and violations to my consumer report, it has now been over 30 days since my initial dispute submission, and I have yet to receive any response or resolution from your end. 

Attached to this message are copies of all the letters I have sent, clearly documenting the accounts in question and the errors present on my credit report. 

I understand the importance of accurate credit reporting for both consumers and creditors alike. However, the lack of response to my repeated attempts to rectify these errors is not only concerning but also damaging to my financial well-being. 

I kindly request that you prioritize the resolution of these disputes and provide me with a prompt update on the status of each. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-03
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to express my disappointment regarding the lack of response to the multiple disputes I submitted to XXXX, XXXX, and Experian. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.
Consumer complaint received 2024-06-03
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-03
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. (GA)

I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the XXXX and Experian remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the XXXX to please remove these inaccurate addresses from my credit report as well : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the XXXX 's and Experian 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.
Consumer complaint received 2024-06-03
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)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}
Consumer complaint received 2024-06-03
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MO)

I was out of work due to XXXX and had filed a XXXX XXXX and XXXX XXXX  against my former employer. I was able to reset the payment agreement. Once my unemployment appeal was reviewed and overturned in my favor but fell behind again while I was going through the court proceedings. I finally received my settlement and had been trying to contact the company for the payoff amount but was unable to reach anyone. At the local office or at the financing office. Anyone i spoke with would put me on hold and then disconnect. The local office was shutting down at the time and I don't know if that may have been what's causing all the problems with this matter, but I still can not get any answers or resolutions. The car broke down shortly after I received my settlement and was actually repossessed when I was working on getting it to a garage. I again tried to contact the company for payoff information, or how to get my items in the vehicle back, or where I may potentially buy the vehicle back in an auction at a specified date and time. I never received any answers or call backs. So now over a year later I'm still trying to find out what happened to the vehicle, why was it not handled correctly where I had the chance to buy the vehicle or buy it back and why is it showing on my report with nothing except the amount I had paid being the only amount deducted. If the car was repossessed and resold then that amount should have been deducted from the total.
Consumer complaint received 2024-06-03
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. (NY)

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. 

Despite submitting the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have personally contacted the banks associated with this account, submitted the necessary documents, and ensured the immediate removal of this account from their records. 
I request that you conduct a thorough investigation into this account and remove it from my credit report immediately. Failure to do so may result in further damage to my credit score and financial well-being.

Please provide me with written confirmation once the investigation is complete and the unauthorized account has been removed from my credit report. I also request a free copy of my updated credit report following the resolution of this matter. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 **Experian Dispute Department** XXXX XXXX XXXX  XXXX, TX XXXX XXXX : Dispute of Incorrect Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Experian credit report. My personal information is incorrectly listed, and this erroneous data is adversely affecting my ability to apply for credit.

The information that is incorrect includes the following : **Incorrect Addresses Reported : ** XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, FL XXXX **Correct Address : ** - XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX I have never lived at any of the incorrect addresses listed above. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Additionally, under the FCRA, you are required to investigate and correct any disputed information within 30 days ( 15 U.S.C. 1681i ).

The incorrect reporting of my addresses has caused me considerable distress and has negatively impacted my ability to obtain credit. I request that Experian immediately investigate and rectify these errors by removing the incorrect addresses from my credit report and ensure that only my correct address is listed. 

I also remind Experian of its liability for statutory damages, actual damages, and attorney fees under the FCRA for willfully failing to comply with its obligations ( 15 U.S.C. 1681n ) and for negligently failing to comply ( 15 U.S.C. 1681o ).

Enclosed with this letter are copies of my identification and a utility bill to verify my correct address. Please update my credit report accordingly and provide written confirmation of these changes. Thank you for your prompt attention to this matter. I expect to hear back from you within the 30-day period as required by law. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX - Copy of Drivers License - Copy of bank statement
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-06-03
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX