davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (GA)

Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it XXXX concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. I requested an investigation because I felt the item ( XXXX ) below were not being reported legally. XXXX XXXX XXXX Account # : XXXX * XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX *XXXX XXXX XXXX XXXX Account # : XXXX *XXXX  Account XXXX XXXX XXXX * XXXX XXXX XXXX  Account # : XXXX I received a letter stating that your investigation was complete and the items listed above were Verified. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
XXXX requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX vXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Your response should to me should include the following at a minimum. 
XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
XXXX What certified documents were reviewed to conclude your investigation? 
XXXX Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
XXXX What did it cost your company to obtain the documents needed to complete your investigation? 
XXXX Please provide proof of your timely procurement of certified documents. 
XXXX Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a If yes to above : i Who did you speak to? 
ii On what date? 
iii How long was the conversation? 
XXXX XXXX was their position? 
v What telephone number did you call? 
vi XXXX is the name of the employee of your company that spoke directly to the above party? 
XXXX XXXX is the position of the employee of your company that spoke directly to the above party? 
XXXX XXXX long has that employee been employed by your company? 
XXXX XXXX formal training was provided to this employee to investigate items of this kind? 
x Was there any e-mail or written communication between members of your company and the above party? 
XXXX Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
XXXX Provide the date of the commencement of delinquency. 
XXXX Provide the SPECIFIC date reporting that these items will cease.
Consumer complaint received 2018-08-14
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: EQUIFAX, INC. (OH)

I submitted a complaint to CFPB regarding Equifax failing to block a fraudulent account on my credit file after they received a copy of my Identity Theft Report. Long story short, Equifax added my CFPB Identity Theft complaint to my credit report as a consumer statement. I was not under the impression that filing a complaint with CFPB would cause my complaint to end up on my report as a consumer statement. Equifax never asked my permission and not only that but the my complaint mentions Identity Theft. My complaint to CFPB was not intended to be used for as a consumer statement. I wrote to Equifax asking them to remove the consumer statement they added without my permission and they have not responded to my dispute and still remains on my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (GA)

XX/XX/XXXX CFPB Consumer Financial Protection Bureau XX/XX/XXXX Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by THE US DEPARTMENT OF EDUCATIONXXXX XXXX The items reported by this agency shall be removed to show my true credit history. This request is supported under XXXX XXXX XXXX - Notice to validate debts of the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, a creditor/agency hasXX/XX/XXXX days from the receipt of the initial letter requesting verification of the entries that are being reported to a credit report. According to this law, failure to verify the items within XXXX ( XXXX ) days constitutes a reason to remove the information from my file completely. 

The initial request under XXXX XXXX XXXX - Notice for validation of debts was sent XX/XX/XXXX and received by XXXX on XX/XX/XXXX. The US DEPARTMENT OF EDUCATIONXXXX did respond to the initial request to verify the accounts below however, the date of the response letter was XX/XX/XXXX and XX/XX/XXXX, which was outside of the legal XXXX period that is required. Furthermore, the information that was provided was not any information that is associated with me or that I recognized. Under XXXX XXXX XXXX - Discharge for false certification of XX/XX/XXXXt eligibility or unauthorized payment, THE US DEPARTMENT OF EDUCATIONXXXX shall remove these entries from my credit profile. 


As required by the Act, I demand that these items below shall be removed immediately from my credit profile, due to the unlawful validation process and the unauthorized nature of these accounts. 


XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$14000.00} XXXX. XXXX XXXX XXXX XXXX {$28000.00} XXXX. XXXX XXXX XXXX XXXX {$5300.00} Finally, please send me the names and contact information of all the individuals you contacted, so that I may follow up with them directly. Thank you for your assistance in this matter. 



Kind regards, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! ADDRESS : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. XXXX : XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

Hello, My credit reports states there are XXXX missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act. 

The Heroes Act states ; Negative consumer credit reporting during the XXXX pandemic is SUSPENDED. PLUS an additional 120 days. 
The XXXX XXXX pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These XXXX late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; XXXX. HEROES ACT XXXX. Image from CDC.gov declaring XX/XX/2023 as end of XXXX XXXX Pandemic XXXX. Image proving XX/XX/2023 as 120 days from XX/XX/2023.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-13
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-03
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. (PA)

I've consistently made sure that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-05-03
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.
Consumer complaint received 2024-05-03
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. (FL)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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 2024-05-03
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)

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 2024-05-03
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. (MO)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-05-03
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. (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 Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX 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 2024-05-03
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. (LA)

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 2024-05-03
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)

I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After XXXX letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Also, please update and remove the XXXX ex-employers XX/XX/XXXX whom I've no longer worked for. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 USC Code 1681eb.

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 in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b 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! 15 USC 1666b ( a ) Time to make payments.

A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.