davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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)

This account was opened fraudulently, I sent in documents and reached out to this company who told me they no longer has the debt. I call the collection agency who then removed it, but XXXX XXXX XXXX XXXX still has it in my report for the last 4 years.
Consumer complaint received 2023-11-14
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-04-14
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. (TN)

I sent a letter on XX/XX/XXXX, to delete these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the Bureaus letters are sent. Ive already included this in my previous complaint & I am including it again. The items are listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX  XXXX, MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX Balance : {$1000.00}, XXXX XXXX  XXXX XX/XX/XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX : {$2600.00}
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

Equifax Credit Report Date Generated XX/XX/XXXX Report Confirmation XXXX I am writing to formally complain about several inaccuracies in the information on my credit report pertaining to an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ). After a thorough review of the account details, I have identified serious discrepancies and errors in the reporting of the tradeline for ( Account Number : XXXX XXXXXXXX ), which are adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that this erroneous tradeline be deleted from my credit files. 

The discrepancies and errors are as follows : 1. Incorrect Reporting of Account Status : The credit report indicates that an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) continued with a balance in XX/XX/XXXX and XX/XX/XXXX, and continued to report incorrect information for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, despite the notation in the Comments XXXX section that the account was " Charged off account '' in XX/XX/XXXX. 

. Your company is reporting that the account was charged off After it was charged off. This ongoing inconsistency in account status is in direct violation of the FCRA and has the potential to significantly harm my creditworthiness. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I demand that the tradeline for XXXX XXXX XXXX XXXX account ( Account Number : XXXX XXXX ) be deleted from my credit report due to this inaccurate reporting. 

Please be aware that inaccuracies in credit reporting can lead to legal action by the consumer. The FCRA, specifically 15 U.S.C. 1681n, provides consumers with the right to pursue legal remedies for willful or negligent noncompliance by credit reporting agencies. 

I have attached a copy of my Drivers License and a copy of my electric bill to verify my identity.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : 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 2024-04-29
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. (NE)

This account XXXX XXXX XXXX Account No. XXXX is showing as a charge-off but this account is not mine and has to be removed. According to the 15 U.S.C 1681 law there shouldn't be any inaccurate and unauthorized information on my credit report. This is a defamation of character and all unauthorized accounts should be deleted immediately.
Consumer complaint received 2024-04-30
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)

I hope this message finds you well. I am writing to follow up on my ongoing efforts to address fraudulent items on my credit report. 

Despite numerous previous attempts and communications, the fraudulent items remain unresolved. Their presence continues to inflict financial and emotional distress, impacting my creditworthiness and overall well-being. 

I urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. It is crucial to ensure the accuracy and integrity of my credit history to protect my financial reputation and future opportunities. 

Furthermore, I kindly request regular updates on the progress of the removal process and prompt confirmation once the fraudulent items have been successfully removed. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance Owed : {$150.00} ; XXXX FI XX/XX/2020.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

I ordered a online book through a company called XXXX. The online book did not help with the problems I was having with my dog though it claimed it would, it cost {$67.00} and it was charged to my barclays bank delaware on XX/XX/XXXX, I tried to contact the company through their website, I received no response, I tried to call them, I received no call back, though they said they would. I tried to dispute the charge on the credit card but had to wait a certain amount of days, I called the credit card and explain I didn't have any proof of it, because the charge was put through the company 's website, I also explained I had tried to contact the company through their website and through their phone number with no response, when I told the customer service representative that I didn't have any record of it to send them, they stated they were entering my response in their records. The charge was removed on XX/XX/XXXX. Today, I noticed that barclaycard has put the charged back onto my account, dated XX/XX/XXXX, when I tried to call them about it today, XX/XX/XXXX, the automatic message said sorry call back another time.
Consumer complaint received 2024-04-29
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. (MS)

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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : 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 2024-07-16
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. (MD)

This consumer reporting agency is being violative of my consumer rights by providing inaccurate and untruthful information to my credit report, both in violation with FCRA and Metro 2 Compliance Standards. This agency should only be reporting factually accurate, verified with documentation, and compliant data. However they are not
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've requested why the disputes I had made were never addressed after a violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. I've requested a FDCPA verification request for a formal dispute of inaccurate credit information and requested formal demands for proof of valid contracts to XXXX XXXX accounts and XXXX XXXX XXXX XXXX XXXX account on XX/XX/year> and never received a response as of XX/XX/year>. 

I've requested to have all 3 of these removed by XXXX and have the XXXX XXXX XXXX XXXX account removed by Experian as they only removed two of the XXXX accounts. They are failing to do this and are in complete violation of the FDCPA act.
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC (FL)

Good evening. 

I am reaching out for help because of the unresolved medical collections that continue to remain on my credit report in the amount of {$2000.00} in spite of me disputing having no knowledge of these companies or services rendered with all 3 credit bureaus in XXXX of XXXX and XXXX, and {$940.00} medical reported today. 

I also disputed unsuccessfully the loan balance appearing for {$4100.00} which should be XXXX balance. I contacted the bank and was told they reported my XXXX balance in XX/XX/XXXX to all 3 credit bureaus. 

There is also a repo reported as a charge off for XXXX XXXX on XXXX but does not appear on XXXX, this was disputed in XX/XX/XXXX and XXXX as incorrect but has not been corrected. 

These unresolved items is attributing to a lowered credit score impacting my ability to attain proper housing and a wheelchair vehicle to transport my XXXX mother. 

Additionally, In accord with law 15 U.S.C which is the FDCPA section 1692c ( b ) please help remove any and all negative items reported by all three credit bureaus as these reportings are a violation of law. 
No prior written consent was ever given to any debt collector to communicate any debt. 

15 U.S. Code 1692c Communication in connection with debt collection ( b ) Communications With Third Parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (MA)

To Whom It May Concern, cfpb ; credit bureau ; I am writing to formally dispute a series of unauthorized hard credit inquiries that appear on my credit report. These inquiries were made without my consent and do not pertain to any applications or transactions initiated by me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge and seek the removal of such inaccurate information from my credit report. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act XXXX FCRA ), specifically 15 U.S.C. 1681b, mandates that a credit report may only be accessed for specific purposes and with consumer consent. As these inquiries were neither authorized by me nor related to any transactions I initiated, they are in violation of the FCRA.

Additionally, under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The unauthorized inquiries listed above fall into this category and should be investigated and removed accordingly.

Furthermore, 15 U.S.C. 1681s-2 ( a ) requires that furnishers of information ensure the accuracy and integrity of the information they report. The presence of these unauthorized inquiries reflects a breach of this requirement.

Given the violations of the FCRA, I request the immediate removal of these unauthorized inquiries from my credit report. Please confirm the deletion of these inquiries in writing once completed.

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-04-29
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 am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2023-09-18
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. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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)

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 

Bankruptcy XXXX XXXX Filed on XX/XX/ Reference number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The account with XXXX XXXX is not mine. XXXX XXXX is reporting delinquent account XXXX XXXX on my credit report and I would like this removed from my credit report.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING 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. 

XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WI)

On my XXXX credit card statement there was a charge from XXXX for {$120.00}. I had only had this card since XXXX and I paid it off every month so there was XXXX balance. I called to ask about the charge for XXXX on the XXXX bill, and they said there was a glitch in their system and it should come off on its own. I paid what I had actually owed, which was {$180.00}, and the remaining {$120.00} I was instructed not to pay because of the glitch. Ive called back every few weeks and at first they kept telling me that it takes a few weeks for it to correct itself. They told me to wait and not to pay it. Then it hit my credit report. Every time I call they hang up on me. Each time they say yes I can see what youre saying, Im so sorry, yes dont pay it, Ill transfer you and then they disconnect me. The last XXXX times Ive called they now say its fraud because they wont even tell me what was purchased or could provide an invoice of what was purchased. I know it wasnt me that made the purchase because I pay it off every month, I only had it for 4 months, and it is very clear and obvious that there is a charge from XXXX in the XXXX bill. I have reported this company to the XXXX. I will try and call back the XXXX credit card people again but this company/bank should not be allowed to do this to people. They are horrible company.
Consumer complaint received 2024-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My loan was set up for automatic payments with XXXX mortgage. I did not realize my loan was transferred to a new company in XXXX. I have not received any correspondence or calls from the new servicer and did not realize it was transferred until today. I obtained new loan info from my old servicer and registered with the new servicer, XXXX mortgage. Their website doesnt have a payment option and the automated system for phone payments cant find my loan. I just want to bring everything current.