davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Request for Removal of Incorrect Collection Account from TransUnion under 15 USC 1681 Dear CFPB, I am writing to formally request the removal of an inaccurate collection account from my credit report, specifically with TransUnion. The collection account in question is associated with XXXX XXXX XXXX XXXX XXXX XXXX, and I can confidently assert that this account does not belong to me. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, consumers are granted the right to dispute and request the removal of any erroneous or inaccurate information from their credit reports. As such, I kindly request your assistance in addressing this matter promptly. 

The reasons for my request are as follows : 1. Lack of Ownership : I have conducted a thorough review of my financial records and found no evidence of any dealings or transactions with XXXX XXXX XXXX XXXX XXXX XXXX. As a result, it is clear that this collection account does not pertain to me. 

2. Absence of Verification : In accordance with the FCRA, I have the right to request validation of the debt. However, I have not received any communication from XXXX XXXX XXXX XXXXXXXX XXXX XXXX providing proof of the debt 's validity or any supporting documentation. 

3. Documentation : I have attached copies of my TransUnion credit report to this request, highlighting the presence of the inaccurate collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX. 

Given the aforementioned grounds, I kindly request that you conduct a thorough investigation into this matter as per your authority under the FCRA. I request the immediate removal of the collection account from my TransUnion credit report, as its presence is unjustly impacting my creditworthiness and overall financial standing. Additionally, I would appreciate confirmation of the removal once the investigation is concluded. 

I am confident that with your intervention, this issue can be resolved in a fair and timely manner. I sincerely appreciate your attention to this matter and anticipate a prompt response. 

Thank you for your assistance.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

By the provisions of the Fair Credit Reporting Act of 1971 15 U.S.C. section 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up. Under the terms of the Section 1681i of the Act, you have 30 days from the receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to the request altogether, the disputed data must be deleted in its entirely : 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 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 2024-07-01
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. (NJ)

I do not recognize this credit inquiry and I advised it needs to be removed. Transunion has not removed this inquiry as I have asked. I'm providing an identity theft report below and requesting for this inquiry to be removed, as it is inaccurate and not mine. 

According to Cushman v Transunion 1997, Transunion is supposed to ENSURE MAXIMUM ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15 USC 1681i, 15 USC 1681 s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). INQUIRY NEEDS TO BE REMOVED.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

According to the IRS an unpaid charge off is income and according to the FCRA income can not Be Reported on a credit Reported I Received A 1099C ( cancellation of Debt ) For the following charged off account XXXX xxxxxx XXXX listed after checking my most current Report the updated information stated this Account was still being Reported. this account can not be Reperted as a charge off on my credit report please remove account from my report.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NH)

XX/XX/2023 To whom it may concern : 12 months ago, I went to BJs in XXXX, NH and filled out an application for a BJs Mastercard at their service desk which I left with them to forward. Several weeks went by and I hadnt received my card, so I went to BJs service desk and told them. They replied, sometimes it takes a while As time went by, I forgot all about the card and never perused the matter. 
On XX/XX/2023 I received a statement from XXXX XXXX XXXX XXXX XXXX, a debt collector, stating My account with Comenity Capital Bank BJ, s had been turned in for collection in the amount of XXXX. I called XXXX and was told that a card was issued in my name and a XXXX fee was charged initially and the balance was late fees, etc. 
I told them that I had never received the card, I never had placed a phone call activating the card and never received a statement in all that time. 
I received no satisfaction. 
Looking for some help in this regard. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have always made sure that payments on this account are timely and never late. I don't understand why there are reports of overdue payments on my accounts. Per 15 USC 1666b, this billing error needs to be fixed.
Consumer complaint received 2024-05-23
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. (FL)

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2023-05-31
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. (GA)

I'm extremely frustrated with the student loan accounts that are being reported on my credit. These accounts were opened at a time when I wasn't attending school, yet the bureaus continue to ignore the inaccuracies I've pointed out. I've tried twice to get the bureaus to investigate the legitimacy of the accounts. The first investigation stated that the accounts were " verified and paid as agreed, '' despite me never making a payment towards them. The second investigation by XXXX was opened on XX/XX/XXXX at XXXX XXXX, but the results were ready by XX/XX/XXXX at XXXX XXXX, which is completely unacceptable for a second dispute. I'm still waiting to hear back from XXXX and TransUnion, but I'm not hopeful they'll do any better. It's outrageous that the bureaus have my actual student loans reported as paid off and closed, yet these other accounts are showing up as mine. These accounts have several inaccuracies, including the dates they were opened and the loan term, which was only for one month. The creditor contact information is also different for each bureau. I attended no universities in XXXX, so I have no idea how these accounts were opened. I've included a copy of my second dispute to XXXX, which is the same for each bureau. This needs to be resolved ASAP.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX XXXX XXXX  Account number XXXX etc. has violated my rights. 
Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX  XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX Account number 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 an account without written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.
Consumer complaint received 2024-07-16
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. (WA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have always ensured that payments on this account are made promptly, avoiding any overdue status. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (GA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (CT)

On Friday, XX/XX/2019, at or about XXXX, an agent of GM Financial proceeded to trespass on my private property. The vehicle was a XXXX XXXX XXXX with license plate number XXXX. A XXXX XXXX, mid early XXXX and with XXXX  XXXX  was seen on the property within the XXXX XXXX taking photographs and surveilling the property. 

The residence is equipped with security cameras and monitoring equipment that can place this man and vehicle on my property without permission. Photographic evidence is attached hereto for review. 

At or about XXXX on the night in question, the Connecticut State police were called regarding the incident to observe and report the facts. The police were given photographic evidence of the trespassing vehicle and a description the driver. 

Vehicle finance companies and their agents are strictly forbidden by state and federal laws from breaching the peace in the performance of debt collection efforts. 

Additionally, under Connecticut General Statute Sec. 29-152u and 29-153, any private detective, natural person or corporation, must be licensed by the state to perform this type of work, especially that which involves the location or recovery of property. 

GM Financial DBA Americredit, and agents, engaged in private detective work, as defined by Connecticut law, without a valid license from the Commissioner to do so with the intent to threaten, harass, and intimidate a person for the sole purpose of collecting a debt. Vehicles with mounted cameras and surveillance equipment on private property is breaching the peace and creates an environment threatening and intimidating to the residents of the property, especially to the XXXX ( XXXX ) XXXX   children who reside there.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX XXXX XXXX of XXXX or XXXX. I never received the merchandise still til this day. I contacted XXXX after I paid off my loan with them and explained the situation to them. XXXX told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted XXXX several times via phone, email and twitter still no luck. I reached out to my FI ( XXXX XXXXXXXX XXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. XXXX sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on XXXX behalf. Then XXXX popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with experian and they keep knocking it down. XXXX has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to experian and have no problem submitting it to you.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-05-23
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. (FL)

Under my knowledge after checking my credit report and doing further research I request further investigation under my knowledge a charge off can not have a balance being that the company has filed a 1099-c meaning the debt has been paid .Please DELETE this inaccurate.information form my credit report
Consumer complaint received 2024-05-23
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized, AND INACURRATE ADDRESS. 
XXXX 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
Consumer complaint received 2024-05-23
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. (OH)

I am receiving a letter from the bureaus saying that I am not the one who sent the letter for inaccurate accounts and unauthorized inquiries on my credit report. this is not true because I myself send my letter to the bureaus. This is a list of negative accounts that I want to delete. 
OHIO DEPT OF HUMAN S XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've always paid this account on time, never allowing any payments to become overdue. I'm puzzled by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-05-23
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)

This account was charged off the following date XX/XX/2024 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my right, I am demanding a deletion of the following accounts : Accounts : XXXX