davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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. (TX)

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. account XXXX ) XXXX XXXX XXXX CALIFORNIA Docket Number # XXXX XXXX ) XXXX XXXX XXXX CALIFORNIA Docket Number # XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B. I have not supplied proof under the doctrine of estoppel by silence, Engelhadrt V. Graves ( MO ) 281 SW 715.719 I presume that no proof of alleged debt, Nor therefore any such Debt, In fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my Comsumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814
Consumer complaint received 2024-07-24
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. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the 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 the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXXXXXX Balanced {$1300.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-01-24
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-08-29
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. (NV)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC. (TN)

Reps call and pretend to be someone else. They refuse to give information about who they really are and try to get me to tell them who I am without verifying who they are when asked. Once I keep asking who they are and where they are calling from, they hang up in my face. Last rep was XXXX
Consumer complaint received 2018-04-24
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. (GA)

I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX  XXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXXXXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (CA)

Hello and thank you for taking the time to help out I reached out to XXXX multiple times in XXXX and XXXX regarding my payment that processed out of my checking account yet XXXX said they never received the payment. 

I provided them the proof of payment that included the transnational ID and number and was promised they wouldve got back to me and never did The same issue occurred again and XXXX is now saying I can only process payments using a cashiers check? 

Thats unfair and suspicious as those funds can be used by anyone if lost and how inconvenient is it to get those and mail it out? Thats not cool.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX  has an open amount on my credit report exceeding {$20000.00} from ... ... XXXX 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.
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: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf to address an issue concerning late payments reported on my credit record. After reviewing my records, I found these late payment entries. However, despite sending letters regarding this matter more than 30 days ago, I have not received a response, and the creditors have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have 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
Consumer complaint received 2024-05-18
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)

XXXX has fraudulently added an account to my credit report that is not mine, according to FCRA and consumer laws 15 USC 1681i the time to respond to my dispute has passed and it has defamed and damaged my credit.

This needs to be taken off of my credit report immediately. It is a fraudulent charge and 15 usc 1681 supports this statement
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear TransUnion, I am writing to address a matter of concern that has come to my attention upon reviewing my credit report. It has been noted that there is a XXXX XXXX entry reported on my file. I have serious reservations regarding the accuracy and completeness of this information, specifically related to a XXXX XXXX XXXX, Reference number : XXXX In accordance with the Fair Credit Reporting Act, I am requesting your agency to verify the authenticity and accuracy of the reported XXXX XXXX. It is imperative for me to understand the source of this information and the method through which it was acquired and subsequently reported on my credit file. Should you be able to verify this XXXX XXXX I kindly request that you provide me with the following information : 1. The name and contact details of the entity or individual who supplied you with this public record.

2. A detailed explanation of the process through which this information was verified and deemed accurate enough to be included in my credit report. 

From my understanding the courts do not report or furnish information to the credit reporting agencies and the integrity of the information reported on my credit file is of utmost importance to me. My personal financial health and maintaining the accuracy and reliability of my consumer credit reporting as a whole is my top priority. 

I appreciate your prompt and thorough attention to this request. Ensuring the accuracy of my credit report is crucial, and I trust that your agency will take the necessary steps to verify this XXXX record entry and provide me with the requested information. 

Thank you in advance for your cooperation and understanding in this matter.
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. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-18
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)

I am writing to file a formal dispute and complaint regarding a potential violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act related to a student loan issued by the Department of Education. 
As per the Family Educational Rights and Privacy Act ( 20 USC 1232g ( b ) ), which protects the privacy of student education records, my student loan details and information should be treated as confidential education records by the Department of Education and any other entities servicing or handling my loan. 
However, I have reason to believe that my private student loan information may have been improperly shared, disseminated or reported without due care, fairness and confidentiality protections as mandated by 15 U.S. Code 1681, which outlines Congressional findings on the need for accuracy, fairness and respect for consumer privacy in credit reporting. 
Specifically, section 1681 ( a ) ( 4 ) states there is " a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Furthermore, section 1681 ( b ) highlights the purpose of having " reasonable procedures '' for entities dealing with consumer information to ensure " confidentiality, accuracy, relevancy, and proper utilization of such information. '' I am concerned that my private student loan data, which should be safeguarded as an educational record under FERPA, may have been mishandled, improperly shared or inaccurately reported, thus violating both FERPA and the Fair Credit Reporting Act 's intent of protecting consumer privacy. 
As such, I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to uphold my student privacy rights and ensure compliance with all applicable privacy laws by the Department of Education and any other entities involved in servicing my student loans. 
Thank you for your attention to this serious issue. I look forward to your prompt action and response regarding this dispute.
Consumer complaint received 2024-05-18
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. (NC)

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 informationisinaccurate.
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (IL)

Hi i wrote each company on my reports asking for a investigation, I also wrote each credit bureau asking them to conduct an investigation. I have hard inquiries, collections, closed and old accounts that I have asked to be removed due to inaccurate reporting.
Consumer complaint received 2018-04-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Back in XXXX I sent to Experian a request to investigate inaccurate information which hurt my credit score, Experian told me they will not reinvestigate mu dispute after I submy support documentation which I did in XXXX but the results are not according to FCRA.. I did your job to provide reports with inaccurate information and according to FCRA is the same source show different information from the same furnisher in the 3 bureaus this information the account must be deleted frpm the report.. 
I dont want a reply from you asking me to provide more documentation which obviously you ignore and keep reporting inaccurate information.. 
My job is only verify all the information in my credit report is correct, if not, under the FCRA this informatioj must be deleted inmediatly, .. This is the third time I am asking to investigate without any result to remove the accounts from my report.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC (OK)

Best Egg received payment in full of my balance in XX/XX/year>. They failed to update the balance on my XXXX. I disputed the balance as incorrect to all XXXX XXXX. Best Egg continued to claim I owed the over $ XXXX balance even after their website clearly showed the payment had been received, posted to my account and a XXXX balance showed in their website. They did not respond to emails and when I called, I was given the run around and told to send my dispute to yet another email address to their " back office '' which also failed to respond.
Consumer complaint received 2024-05-18
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. (FL)

Dear TransUnion Team, account # # XXXX I am reaching out to express my concerns regarding the late payment reports filed by XXXX and the subsequent investigationor lack thereofconducted by your agency. Despite my efforts to rectify this matter by submitting the appropriate documentation, Shellpoints inaccurate reporting persists on my credit report, and your agency has yet to take corrective action. 

Your email notification outlined a process where TransUnion reviews the furnishers response to determine the next steps, including the deletion or modification of information if it is found to be inaccurate, incomplete, or unverifiable. However, it seems this process has not been followed in my case. 

Here are the specifics that need your immediate attention : XX/XX/XXXX XXXX XXXX Report : XXXX reported a XXXX late payment for XX/XX/XXXX. 
This report lacks credibility as there are no preceding incremental late payment reports, such as XXXX, XXXX, or 90 days late, which should logically lead up to a XXXX late status. 
XX/XX/XXXX XXXX XXXX Report : In XX/XX/XXXX, another XXXX late payment was reported by XXXX. 
Similar to the previous instance, there were no prior reports of incremental late payments. 
XX/XX/XXXX XXXX XXXX Report : XXXX reported a XXXX late payment in XX/XX/XXXX. 
This report is also questionable due to the absence of preceding late payment reports. 
The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate. The discrepancies in XXXX reporting and TransUnion failure to remove these inaccuracies from my record suggest a breach of this requirement. 

I urge TransUnion to conduct a proper investigation, taking into account the detailed information I have provided. Should this issue not be resolved promptly and accurately, I am prepared to take legal action, as I have previously done with XXXX. 

I trust that TransUnion will address this matter with the seriousness it deserves and look forward to seeing the necessary corrections reflected on my credit report. 

XXXX XXXX XXXX