davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX  which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-06-20
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. (NY)

This is not a notice for investigation for inaccurate items on my report. This is a notice to remove and/or update excluded information from my report. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to15 U.S. Code 1681a. As I examine my report, Ive noticed XXXX, XXXX, and Transunion has been furnishing my transactions and/or experiences between I and the person/creditors making the report.

No consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 U.S. Code 1681c. As I examine my report, Ive noticed XXXX, XXXX, and Transunion furnishing collection accounts on my report, and also charged off remarks. 
Furthermore, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit transaction that is not initiated by a consumer. As I examine my credit report, there are unauthorized inquiries furnished on my credit report.
Consumer complaint received 2023-11-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts. However, I have reached out to the creditors regarding the validity of the debt, but they did not provide any proof. Therefore, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX, and Dept Of EdXXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (FL)

I am Contacting a Transunion to remove the Unauthorized inquiry Please remove the unauthorized Inquiry off of my report dated XX/XX/year>. The inquiry is a XXXX  XXXX XXXX XXXX Transunion is still reporting, inquiry needs to be removed immediately it's not connected or associated to any of the accounts listed on my report. 
I do not want Transunion to do a security freeze or add a fraud alert without my permission. 
I have Ftc report and supporting documentation below to show proof of unauthorized inquiry
Consumer complaint received 2024-06-19
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. (TX)

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.

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 2023-10-26
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)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX This account was reporting inaccurately. Please investigate this thoroughly and remove it accordingly. 
XXXXXXXX XXXX XXXX XXXXXXXX I dont have any knowledge of this account. Please have this removed immediately. 
XXXXXXXX XXXX XXXXXXXX I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
XXXX XXXX XXXXXXXX There is no name associated with this file & needs to be deleted due to inaccurate info.
Consumer complaint received 2024-08-16
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. (MO)

I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2024-06-19
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that EXPERIAN, XXXX XXXX and XXXX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.

BSCF14 Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. BSCF25 FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX XXXX Please delete the error.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I recently received a copy of my Experian, XXXX and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX. XXXX, XXXX
Consumer complaint received 2024-06-20
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2024-05-29
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: EQUIFAX, INC. (IL)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Name : XXXX
Consumer complaint received 2024-06-19
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. (OH)

I obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). 

I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 

I am giving your company the opportunity to make this matter right by way of the following : * REMOVE ACCOUNTS * REMOVE LATE PAYMENTS * REMOVE INQUIRIES
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance : {$2300.00} XXXX XXXXXX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX Balance : {$1100.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$640.00}XX/XX/XXXXXXXX XXXX ( Original creditor : XXXXXX/XX/XXXXXXXX Balance : {$580.00} XXXX XXXX LL XXXX Balance : {$930.00} XXXX XX/XX/XXXX ( Original creditor : XX/XX/XXXX XXXX Balance : {$870.00} XX/XX/XXXX ( Original creditor : XX/XX/XXXXXXXX Balance : {$300.00}
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-03-21
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. (MS)

On XX/XX/2023 I mailed a letter to Experian demanding proper verification of their claimed debt that they have furnished on my credit report. Per certified mail receipt, they received this letter on XX/XX/2023. 

Experian has responded to me by citing Section 605B ( c ) ( 1 ) and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act in an attempt to hide the fact that they have not responded properly to my demand that they fulfill their legal obligation. They are attempting to claim that this alleged debt is verified without having ever done any verification. They attempt to say that it is on the creditor to correct the information, but Experian is the one furnishing this information PUBLICLY and harming MY reputation. Which makes them LIABLE and obligated to legally validate their claims.

In the letter I demanded that they send me a sworn proof of verification affidavit to show how Experian is legally claiming that the account XXXX XXXX is in fact accurate, valid, and complete ( per 15 USC 1681e ( e ) ( 1 ) ).

Because I have never received from Experian any sworn statements, affidavit of truth with notary signature, or any statements under oath - there has been no verification made under U.S. Federal Law.

I have also demanded that they have a party identified by position and authority at Experian who has first-hand-knowledge of this matter swearing that I explicitly gave Experian written instruction to furnish the XXXX  account on my consumer credit report. I demanded that they state this under oath, with their wet ink signature and have a notary present, on the previously mentioned Proof of Verification Affidavit ( Pursuant to 15 U.S.C. 1681b ).

I also informed them that I require to witness the original wet-ink contract that I allegedly signed which created the alleged debt which Experian is furnishing on my credit report. ( Failure to produce the original contract agreement will be evidence of fraud in the claim that I owe any debt and that Experian is allowed by law to report on my credit report. ( Pursuant to UCC 3-302 ) ) I am only attempting to have the records corrected to what they rightfully should be legally and lawfully. Each phone call, online interaction, and mail piece are being documented for this purpose.

It would be advisable that Experian assure the records they are furnishing publicly on my consumer credit report are in order before I am forced to take legal action. ( Pursuant to 15 U.S. Code 1681n )
Consumer complaint received 2024-08-16
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. (NC)

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Continue to report an accurate and unverified information on my consumer report. Further damaging my report and character, Making it hard to establish new Credit, Employment opportunities, and new home. This invalid information has caused me emotional distress and has made things difficult
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (TN)

On XXXX, I received a deposit towing the sum of around {$1500.00}. About 30 minutes afterwards I received a notification that my account had been locked due to suspicious activities then received an email about being a money mule. So after I called in and offered to cooperate and provide proof that I had thought I took out a legitimate loan totaling the sum of {$1500.00}. I was not ever allowed to speak with anyone that was handling the situation, that could provide me any information or allow me to do anything at all. I'm not receiving any kind of communication from them nor am I being allowed to provide any documentation showing the I wasn't aware or involved in any type of illegal activities if that's what has taken place. This has been a one-time deal and there was no money transferred out or withdrew from the account after that deposit had been made. So I'm not real sure how we've come to the conclusion that I could be being a money mule.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 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