davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

While reviewing my credit report I found that there are accounts reported on my credit report inaccurately. 

XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  IS AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE XXXX, A PERIOD THAT I HAD NO CONTROL OVER. I CONTACTED THEM AND PAID A SETTLEMENT AMOUNT FOR THE ACCOUNT. NOW THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE CHARGE OFF BEING REPORTED EVERY MONTH AFTER THE ACCOUNT WAS ACTUALLY CHARGED OFF. THIS IS RE-AGING THE ACCOUNT AND CREATING A SITUATION WHERE IT STAYS ON MY REPORT. THE INFORMATION ON THE REPORT SHOWS XXXX NEGATIVE MONTHS. THIS IS INCORRECT. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE XXXX, A PERIOD THAT I HAD NO CONTROL OVER. I AGREED TO PAY THEM OFF, HOWEVER, THE ACCOUNT DISPLAYS THE FOLLOWING STATEMENT : Account paid in full for less than full balance THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND THEREFORE I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE BALANCE PAID AND THE HIGHEST BALANCE AS THE SAME AMOUNT, HOWEVER, THE STATEMENT IN THE COMMENTS STATES " ACCOUNT PAID IN FULL FOR LESS THAN FULL BALANCE ''. AGAIN, THE PAYMENT THAT WAS MADE WAS THE HIGHEST CREDIT LIMIT BALANCE. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX shows on my Experian credit report as a charge off with a balance. The account has been fraudulently been reported. It reflects a chargeoff reported every month since 2020. Most negative information remains on credit reports for XXXX years from the date of the first missed payment. After this period passes, the information should automatically disappear. If the creditor is re-aging the account by reporting it every month the account will stay on the report forever. THE INFORMATION ON THE REPORT SHOWS XXXX NEGATIVE MONTHS. This is a violation of the Fair Credit Reporting Act. In addition, this account reflects that it was transferred to another lender. If it has been transferred the account should not show a balance. it is being reported fraudulently. The account needs to be removed from the report. XXXX XXXX XXXX  is no longer in business ( see attached ). The only resolution for these actions is to remove the account from the credit report.
Consumer complaint received 2023-02-11
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: LEXISNEXIS (CA)

Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ) You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the XXXX name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )
Consumer complaint received 2024-05-21
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. (GA)

These accounts are Inacourate and I`m seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that. I received to 15 USC 1681n & 15 USC 1692k.
Consumer complaint received 2024-05-22
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway attached are my id to verify identity and FTC police report
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have noticed some inaccurate information on my consumer report and would like it removed immediately. Personal information. Only the name, XXXX XXXX should be present on my consumer report. The XXXX XXXX is inaccurate and should be removed immediately. This is personal information and I do not want it shared, which is my right under the privacy act of 1974.. Inquiry on my consumer report 15 USC 1681 permissible purpose I have not given permission for this company to pull my credit report. Inquiry information : XXXX Important dates Inquiry date XXXX XXXX, XXXX XXXX XXXX accuracy of reports. 
There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$620.00} past due as of XXXX XXXX which is inaccurate because if this is a collection account no payments were made there for no payment were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act Account information : Balance {$620.00} Balance updated XXXX XXXX, XXXX Original balance {$620.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone This account is not mine. Its not accurate and I would like it removed immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-21
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per XXXX XXXX XXXX, billing errors should be corrected.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-17
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and by someone I trusted to do my credit repair, whose name is XXXX XXXX XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed EXPEDITIOUSLY!!!!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to TransUnion XXXXXXXX XXXX XXXXXXXX proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX XXXX days are up
Consumer complaint received 2024-05-22
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-21
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. (GA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OH)

on XX/XX/year>, I contacted Mohela because I noticed for the payment on XX/XX/year> the interest charged was doubled compared to prior months. They said the interest was accrued for XXXX because of forbearance. To my surprise, I never requested forbearance and I have always been on auto debit. They said because they were changing their platform in that period they did not draw payment from my account. I explained multiple times that it was Mohela 's fault if they forgot or failed in any way to withdraw the payment. Why should I pay for their mistake and bad accounting practice. I requested the payment to be properly adjusted and they refused. Surely, there are many other borrowers in the same situation, but failing to recognize they have been punished and charged double interest for Mohela 's dishonest accounting and lack of professionalism. It is easy to fix the overcharged interest but they refuse.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepless nights. I am requesting damages for these violations.
Consumer complaint received 2023-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

Account was opened without my consent or knowledge. My identity was compromised, and this account was placed into collections on the date below. 


Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

This account is only showing on this transition credit bureau which is illegal. Its also illegal to reinsert a past deletion. 
Account name : Bank of America Charge Off
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

It has been a nightmare since purchasing a vehicle from XXXX. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car XXXX to thier error. No one notified me of an echeck in my email after the 32 calls that I made to XXXX. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit.

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Please see definition of a consumer ( c ) The term consumer means an individual.

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Please see listed accounts reporting late payments 1. XXXX LATE PAYMENTS REPORTED XXXX. XXXX XXXXXXXX LATE PAYMENT XXXX. XXXX XXXXXXXX LATE PAYMENTS XXXXXXXX XXXX XXXXNO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS