davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Account with XXXX  credit account XXXX it is now XXXX XXXX this account is has been adversely affected my credit and i ask if it be removed i have no open account with company and its last report date was XXXX of XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, shared, and used by credit reporting agencies. Regarding late payments, the FCRA includes provisions that govern the reporting of accurate and timely information to credit bureaus, as well as the process for disputing and correcting any inaccuracies on credit reports. 

Key points of the FCRA related to late payments include : Accurate Reporting : Creditors and lenders are responsible for reporting accurate and complete information about consumers ' credit behavior to the credit bureaus. This includes information about late payments, missed payments, defaults, and other credit-related activities. 

Timely Reporting : Creditors must report accurate information to credit bureaus in a timely manner. This includes reporting late payments accurately based on the actual payment history. 

Dispute Process : The FCRA grants consumers the right to dispute any inaccuracies on their credit reports. If a consumer believes that information, such as late payments, is reported incorrectly, they have the right to dispute it with the credit reporting agencies. 

Investigation of Disputes : When a consumer disputes information on their credit report, the credit reporting agencies ( Experian, XXXX, XXXX ) are required to investigate the dispute within a reasonable time frame, typically 30 days. During the investigation, the credit bureau will contact the data furnisher ( creditor or lender ) to verify the accuracy of the reported information. 

Correction of Errors : If an investigation reveals that the late payments or other reported information is inaccurate or can not be verified, the credit reporting agency must correct or delete that information from the consumer 's credit report. 

Notification to Consumers : Credit bureaus must notify consumers of the results of their dispute investigations. If the disputed information is changed or removed, the consumer should receive an updated copy of their credit report reflecting those changes. 

It's important to note that while the FCRA provides mechanisms for disputing and correcting inaccuracies on credit reports, it does not give consumers the right to remove accurate and verifiable information, such as legitimate late payments, from their credit reports before the standard reporting period, which is typically seven years from the date of delinquency. 

Consumers can always monitor their credit reports regularly, dispute inaccuracies, and work on improving their credit behavior over time to mitigate the impact of past late payments on their credit scores.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

These inquiries were not authorized by me. 
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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear [ transunion, XXXX ], I am writing to dispute the presence of [ XXXX XXXX XXXXXXXX XXXX  ] on my credit report. According to the Fair Credit Reporting Act, I have the right to request that any inaccurate or incomplete information be removed from my credit report. 

After reviewing my credit report, I have noticed that [ XXXX XXXX XXXX XXXX  ] is listed as [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. However, this account is not accurate as I have never had an account with [ XXXX XXXXXXXX XXXX XXXX  ]. 

I am requesting that this account be deleted from my credit report as soon as possible. I have attached a copy of my identification and any other relevant documents to support my claim. 

Please investigate this matter and provide me with a written response within 30 days as per the guidelines of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 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 2024-01-08
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)

XXXX XXXX original name. 
I called XX/XX/XXXX is when I learned the name changed or company was bought out. They have incorrect balances reporting across all three credit bureaus. XXXX payment XX/XX/XXXX late 120 days Experian XX/XX/XXXX late 150 days XXXX XXXXXX/XX/XXXX late 120 days. Date opened XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX I have not closed my account I want to keep my card but need inaccurate information updated to reflect and stop harming my credit. The address is inaccurate my address should be XXXX XXXX XXXX XXXX XXXX XXXX  I have reported identity theft in the past and have filed police report that why it is imperative they have my name and address correct and account history accurate. 

My statement due date is the XXXX of each month. I have been paying before statement due date and they still are reporting inaccurate information XXXX, 120 days past due. This account is impacting my credit report. I am homeless and continuing to be denied approval for apartments because of this information reported on my credit. I contacted XXXX XXXX because I have an open account that I am paying on the account is active. I requested they remove the late payments and past due balances because this is inaccurate. I called them in XXXX several months to resolve the issue and was told they would remove the late fees and inaccurate information before they switched over to XXXX XXXX they changed names. I spoke to a rep on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to discuss account and nothing has been done. I made payments XXXX that I can find as of today from bank statements. Payment on XX/XX/XXXX {$50.00} late fee charged XX/XX/XXXX. XXXX payments XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} due date was XX/XX/XXXX. XXXX XX/XX/XXXX {$30.00} XX/XX/XXXX. {$30.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$45.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$100.00} This was verified on my statements from them as well. I just need the late payments removed as promised before they switched company names. I am not closing my account with them just requesting the late payments be removed since the account is open and is being paid on.
Consumer complaint received 2024-01-08
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. (GA)

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.

has violated my rights. Or a 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 2024-05-09
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. (GA)

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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are hard inquires on my credit and I have no knowledge of them. 

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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please have these accounts DELETED : 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
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the TransUnion 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 2024-05-09
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. (SC)

PLEASE delete these accounts listed for inaccuracy from my credit report because the date showing last active is inconsistent. The last date reporting is not consistent with other credit bureaus. 

Account Name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Date Active : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX - XX/XX/XXXX. 
Last Date Reported : XXXX : XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX - XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX. 
Last Date Active : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX. 
Last Date Reported : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX XXXX 
Last Date Active : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX Last Date Reported : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-01-08
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. (GA)

I was trying to buy a house and I realized I had damages to my credit report. According to the 15 US C1681 law ( A statement by the customer that the information is not information relating to any transaction by the consumer ). There should not be any damages on my report! Its a defamation to my character.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My federal student loan was officially forgiven on XXXX. XXXX reported on XX/XX/ that I have student loans on my credit reports which showed up today. 

I called today and spoke to a XXXX representative at XXXX pm. They have me on administrative forbearance and have not yet completed my forgiveness. They claim it is on the US Department of Education as the hold up. 

I then chatted online with studentaid.gov at XXXX pm about the reason why my loan has not been processed. My transcript is here : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX thank you XXXX PM That is not something that the website would approve, that would be something that would be approved by the US Department of Education. 
XXXX XXXX PM so what does that mean? 
my loan amount is {$0.00} on my dashboard That you would need to wait for the approval of the loan forgiveness from your loan servicer. 
XXXX the loan servicer says they are waiting on you XXXX PM I have a letter from my servicer saying my loans are forgiven XXXX PM Okay are they showing that they are forgiven on their website? 
XXXX XXXX PM I have all zeros, except for my loan status being in administrative forebearance XXXX PM XXXX said they are waiting on you so they can finish the processing XXXX PM That is something that your loan servicer would handle. 
XXXX PM I just spoke with them and they said it is you. 
Your loan servicer would have to release that forbearance. 
XXXX PM If I do not get a resolution to this I will be contacting the Federal Trade Commission Bureau of Consumer Protection and my Senator and Congressman. This needs to be resolved and no one knows an answer. 
XXXX PM That is fine if you feel that you need to do that, I have advised that your loan servicer is the one that would handle that loan forgiveness for you. 
XXXX Ok. Thank you for the information. 

Please advise what I do to resolve this issue. 

Thank you, XXXX
Consumer complaint received 2024-01-08
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX # XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-08
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. (AL)

i was never late on any accounts! 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.remove this account or face violation {$1000.00} per volation
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX in XXXX and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted Experian, XXXX, and XXXX via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.