davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PR)

Based on the time ( XX/XX/2013 ) 7 years other collection agency companies have already " delete '' this bankruptcy Reference Number XXXX for no longer having an effect due to the statute of limitations and in reality it limits me you start a new course obtaining an improved credit report. I strongly ask the administration of Equifax that I understand they can eliminate such bankruptcy so that my credit status improves. I am very grateful that you make this decision for the sake of my family and my own. We would like to start a new life by managing our assets, income, and using our budget wisely. Another point is that this report indicates at the end that No contact information has been reported by this creditor. Thank you. Attached credit report to which I refer : Credit Factor Account Info Reported on XX/XX/2013 XXXX / XXXX CHXX/XX/XXXX Overview Reference Number XXXX Date filed Reported on XX/XX/2013 Responsibility Joint Institution Information No contact information has been reported by this creditor.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This reporting account is fraudulent, the consumer name they are reporting is NOT ME and NOT XXXX XXXX. Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 Sec. 602 ( A ) states I have the right to privacy. 15 U.S.C 1681 Sec. 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Account name : XXXX # XXXX negatively reporting on my consumer file violates my consumer rights. I looked at my XXXX credit report on XX/XX/year> and noticed some incomplete, inaccurate, and negative reportings. According to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 ( 5 ), they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. ( A ) In general, lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 ( s ) ( 2 ) they are not legally permitted to 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. According to 15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing these items of information
Consumer complaint received 2024-05-30
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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

EQUIFAX REPORTING INCORRECTLY AND NEEDS TO BE REMOVED. BALANCE OWED, PAYMENT HISTORY, XXXX NOT APPLYING THE GAP INSURANCE. UNDER FCRA, ALL TRADE LINES MUST BE CORRECT OR THEY ARE TOO BE REMOVED. YOU CONTINUE TO UPDATE THE INFORMATION, WHICH IS STILL INCORRECT. THIS WAS NOT IN A COLLECTION STATUS. THEREFORE, YOU MUST REMOVE IT. 
Equifax Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance Bureau Code Individual Credit Limit Date Last Active XX/XX/XXXX Date Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX High Credit {$10000.00} Last Reported XX/XX/XXXX Month Term Monthly Payment Past Due Payment Status Collection/Chargeoff Comments Charged off account
Consumer complaint received 2024-08-22
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'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 inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX of inquiry XX/XX/scrub>XXXX XXXXXXXX  Date of inquiry XX/XX/year>
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Experian - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against Experian for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Experian has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Experian has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account. 

I have previously disputed this account with Experian on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Experian has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Experian conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX I trust that the CFPB will take swift action to address this issue and hold Experian accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (KS)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you guys will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # : XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

When checking my credit report to buy a home, I saw XXXX XXXX XXXX listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the XXXX XXXX representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all. 
This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned XXXX XXXX is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
XXXX XXXX XXXX is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.
Consumer complaint received 2024-05-30
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. (GA)

I am writing to seek the assistance from you in resolving issues related to my credit report. Despite my repeated attempts to rectify these matters with the respective financial institution, the inaccuracies remain unaddressed. Specifically, I am facing problems with the correction of a late open account and the removal of an erroneous charge-off account. I have noticed an account listed as " late open '' on my credit report. This is incorrect, as I have consistently met all payment deadlines. Despite multiple disputes submitted directly to the financial institution, this error has not been corrected. The continued presence of this inaccurate information is adversely affecting my credit score and financial health. There is a charge-off account on my credit report that is incorrectly reported. I have provided the financial institution with all necessary documentation proving that this account should not be listed as a charge-off. 
My attempts to resolve this matter directly with the institution have been unsuccessful, as the charge-off remains on my credit report, causing significant distress and financial difficulty. I am requesting the CFPB 's intervention to ensure that these matters are resolved in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported to credit bureaus. The ongoing presence of these inaccuracies is a violation of my rights under the FCRA and has caused me undue hardship.Please help me orrect the late open and remove the charge off accounts immediately : XXXX. XXXX XXXX Balance Owed : {$4000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-05-30
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX XXXX TRANSUNION XXXX XXXX XXXX -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- - XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have not authorized the XXXX XXXX company to make inquiries in my credit report. In addiction I don't know who they are and what their purpose is, I understand that these reports are exposed to scammer scams or people who can access by re-elaborating complex schedules. Below what I want to be removed from my report : XXXX XXXX Inquiry from XX/XX/XXXX Credit Union This inquiry could stay on your report until XX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information  XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-30
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 XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph 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 ; 1,014 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Technology Federal Credit Union (PR)

In XX/XX/2019, I received a letter from the company XXXX XXXX XXXX , XXXX, of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from First Technology FCU of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in Spanish as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with First Technology FCU who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Thursday, XX/XX/XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to request access to view my Experian credit report, as it has not been updated since XX/XX/XXXX. The lack of updates has resulted in the reporting of inaccurate information, which is adversely affecting my credit score and my ability to obtain credit. 

It is my understanding that credit reports should be updated regularly to reflect the most current information. However, I am unable to view any information for XXXX. This lack of access and outdated reporting is causing significant inconvenience and potential harm to my financial standing. Accurate and up-to-date credit information is crucial for me to manage my credit responsibly.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 inructions 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