davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (WA)

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XXXX XXXX XXXX XXXX XXXX XXXX  ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2024-05-24
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXXXXXX
Consumer complaint received 2024-05-24
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$90.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

THIS IS MY 2ND AND LAST REQUEST TO THE CRA 'S REQUESTING THE INACCURATE AND INCOMPLETE INFORMATION DELETED. ISENT MY LAST LETTER ON XXXX TO XXXX, XXXX, AND EXPERIAN AND I HAVE NOT RECEIVED ANYTHING FROM THEM CONCERNING MY REQUEST.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THIS IS MY 2ND AND LAST REQUEST TO THE CRA 'S REQUESTING THE INACCURATE AND INCOMPLETE INFORMATION DELETED. ISENT MY LAST LETTER ON XXXX TO TRANSUNION, XXXX, AND XXXX AND I HAVE NOT RECEIVED ANYTHING FROM THEM CONCERNING MY REQUEST.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have an auto loan through XXXX XXXX My ex stopped paying Im on the car and than hid the car on me. She surrendered the car. When I found out where it was. I paid the remaining loan off XXXX  %. It says it in my report. Its my car. It even states that I paid it. But its affecting my credit score. It needs to be removed. XXXX  removed it. TransUnion and XXXX need to remove it asap. I also have a credit card debt on my TransUnion for XXXX. Thats been paid off and removed by experian.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Upgrade, Inc. (ME)

I refinanced my auto loan from XXXX XXXX  to Upgrade in XX/XX/XXXX. 

Upgrade had me sign documents giving them collateral ( my vehicle ) ; Upgrade lists the loan in my online profile as " auto loan ''. Upgrade reports the loan to credit bureaus as " personal loan '' NOT auto loan..which it is. I requested Upgrade to correct the reporting as an auto loan not personal loan. I was told " it doesn't matter ''. ( yes, it does ). 

Further Upgrade has not provided monthly statements. I've emailed and called. I was told over the phone I need to call monthly to get a statement : ( So far I have only XXXX document : XX/XX/XXXX showing in my online account.
Consumer complaint received 2024-06-26
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. (NV)

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 U.S.C 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Bank Account # XXXX Account name : XXXX Bank Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name : THE XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 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 2024-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I spent 2.5 hours on the phone between XXXX XXXX XXXX and Bank of America trying to prove this phantom debt was not real. I want to file a compliant with CFPB for fraudulent activity by the third party acting on behalf of Bank Of America. They are pursuing innocent people and are committing mail fraud and wire fraud trying to collect non existent debts. 

On XX/XX/2024 and XX/XX/XXXX I received an automated call from ( XXXX ) XXXX. The message was prerecorded used the reference number XXXX. The message said : " Call us regarding this urgent matter. '' They did not provide a name of the business or any other details. I called back. The agent found the case and said I had an outstanding balance of {$8600.00} that had to be paid in full today to avoid being sued. They claimed I signed a waiver that allowed the lender to put a lien on my property and or garnish wages. I had until XX/XX/XXXX to pay this amount. They claimed they were the company hired by Bank of America 's lawyers to confirm the debt. 
The first agent I spoke with could not give me any verifying information about the debt other than the amount and the originating creditor. She transferred me to the " Lead Arbitrator '' who was hostile and yelling that they were trying to help me by allowing me the opportunity to pay in full today. When I told her I did not have any or ever had any delinquent accounts through Bank Of America or its credit partners, she told me if I kept being argumentative, she was going to hang up on me. 

I have attached the copy they emailed me at my request because I had not received supposed letters thy had mailed to us on 3 other attempts to inform us of this debt. They claimed they were not collection agency but clearly in the letter attached to this file- they ask for money and provide an online payment portal and even text to pay phone number.
Consumer complaint received 2024-05-24
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. (MS)

In accordance with FCRA, this creditor has violated my rights under 15 1681 section 604b states that i have a right to privacy. 15 USC 1666b also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purposes.I disputed the inaccurries on the account on XX/XX/year>, XX/XX/year>, XX/XX/year>, and on XX/XX/year> and i haven't got any response from the creditor. This creditor has continuously ignored my requests. I am actively trying to get approved for a mortgage loan. I need this account removed immediately
Consumer complaint received 2023-10-20
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXX/XX/XXXX; XXXX XXXX XXXX Balance : {$780.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$93.00} ; XX/XX/XXXX
Consumer complaint received 2024-08-07
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. (OK)

I am reaching out for your help regarding an incorrect account shown on my credit report. This has been detrimental to my reputation, and I require your assistance. The bureau must update the records and remove the inaccurate information to prevent further damage to my credit profile.
Consumer complaint received 2023-10-20
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2024-05-24
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this dispute due to an account being reported as negative showing up in my credit report when its an old closed account. I do not owe anything on this account and i have the proof. I will attach the letter from the account so you can see the reporting is incorrect. Please remove any negative remarks or accounts related to this creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to have this late payment removed before and the company still has not helped me. Can you please look into this matter for me? The inaccurate reports are causing me financial hardship, as the late payments being reported were not me and need to be fixed immediately! Please help!!!
Consumer complaint received 2024-05-24
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-24
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. (VA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Kindly do the same thing as what the other credit bureaus have done. Update the account : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I am lodging this complaint personally. Following a comprehensive examination, I've pinpointed inconsistencies in the recorded payment history. I contend that there might be an oversight or miscommunication, given my consistent adherence to timely payments. My aim is to resolve this matter and ensure the fidelity of my credit history portrayal.
Consumer complaint received 2024-05-24
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. (NV)

These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided. 

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I have had nonstop issue with Truist Mortgage. Every month I pay they claim I am a month behind in payment which my XXXX bank statement shows I have paid every month. They continuously charge me late fees because of. Now they are saying I am behind my XXXX payment. They billed me XXXX times in XXXX. First payment they kept ( which XXXX bank even has acknowledged that Truist took payment ), second payment I called them and they credited me, third payment I disputed with bank and XXXX credited me. Truist claims they credited me twice and I still owe them a payment. XXXX looked and said Truist charged me twice and only refunded me one time. I have spent HOURS on the phone with Truist with multiple people and have sent them my XXXX bank statements showing them that I am up to date. Even my Truist page shows I have made all of my payments. I am really concerned this will get to my credit reports. I am at the point I really need some external help with this situation. 
Thank You, XXXX XXXX
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This XXXX XXXX  account has inaccurate information. Equifax own reporting on the account shows that for months reported late there was no record " XXXX '' reporting for the months. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Investigation showed no record of late payments for months in question for Equifax report. The account should be updated to report PAID/NEVER late or the account should be removed. their own records shows no record for disputed months. 
see attached as proof
Consumer complaint received 2024-08-18
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. (LA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.