davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-09
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. (PA)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-09
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. (NC)

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ) 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-01-09
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. (PA)

I received a copy of my credit report and I am disputing items that need to be deleted. According to the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. In your investigation results please provide the names, addresses, and the telephone numbers of individuals you contacted during your investigation During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Below are listed the account, account number and the opening date. 

XXXX XXXX XXXX - XX/XX/2023 - XXXX
Consumer complaint received 2024-01-09
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. (GA)

I obtained an XXXX  account to monitor my credit report. After evaluating my report I noticed that I have hard inquiries on my report pertaining to XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. After no resolution, I am filing this complaint.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX to furnish a XXXX  because The account was marked as a charge off they were to send me a XXXX  and I have not received a XXXX, and if I don't receive the XXXX  they filed within 15 days. and never received one via the mail or anything I will be filing a XXXX  with the XXXX  as that is considered tax fraud since I haven't received a XXXX. I would like this account removed from my credit report or furnish the XXXX. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs
Consumer complaint received 2024-01-09
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. (TN)

I do not recognize these credit inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.!
Consumer complaint received 2024-01-09
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)

AN ACCOUNT WAS OPENED WITH MY INFORMATION ILLEGALLY AND AFTER REQUESTING VERIFICATION AND VALIDATION OF THE FRAUDULENT ACCOUNT FROM ALL XXXX CREDIT REPORTING AGENCIES AS WELL AS CALLING THE " CREDITOR '' of the ACCOUNT IT IS CONTINUING TO BE REPORTED TO THE CREDIT REPORTING AGENCIES AGAINST THE LAW AND WITHOUT MY AUTHENTICATION AND CONSENT CAUSING ME HARM, FINANCIAL INJURY, AND MENTAL ANGUISH OVER THE HARASSMENT AS WELL AS THE FRAUDULENT ACCOUNT ILLEGALLY BEING SOLD TO A THIRD PARTY XXXX XXXX IS WHAT THE LETTER SAYS I SENT A LETTER REQUESTING THE VALIDATION PER 15 U.S. Code subsection 1681a-x and the letter attached is how XXXX RESPONDED NO PROOF HAS EVER BEEN PROVIDED TO ME ABOUT THE VALIDATION OF THIS ACCOUNT AND I HAVE REQUESTED IT'S REMOVAL MULTIPLE TIMES
Consumer complaint received 2024-05-10
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. (MO)

I, XXXX XXXX, hereby authorize Trans Union reporting XXXX to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Trans Union Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : 1. Collections- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  opened fraudulently ) XXXX. XXXX XXXX XXXX {$6100.00} ( identity theft ) XXXX. XXXX Account XXXX XXXXXXXX ( fraudulently opened ) Inquiries for removal : 1. XX/XX/XXXX Company : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10
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. (MO)

I, XXXX XXXX, hereby authorize Trans Union reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Trans Union Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : 1. Collections- XXXX XXXX ( originally XXXX  XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened fraudulently ) 3. XXXX XXXX XXXX {$6100.00} ( identity theft ) 4. XXXX Account XXXX XXXX XXXX  fraudulently opened ) Inquiries for removal : XXXX. XX/XX/XXXX Company : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
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. (CA)

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 2024-08-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MN)

I noticed something strange on my credit report when I went in for a auto loan I had a collections that was affecting my credit score I settled the debt upon buying my vehicle XX/XX/XXXX thinking nothing of it until I later on found out after hiring a creditor to monitor my credit not only was I overcharged by the insurance company it was still reflecting on my credit report a year and 6 months later Ive then reached out to XXXX XXXX and received a reimbursement letter but Ive been going back in forth with collections trying to see why it was reflecting on my credit in the first place, I received a XXXX XXXX check which was the money owed from collections and the amount overpayed XX/XX/XXXX although the letter says I should of received it XX/XX/XXXX and they had 30 days to mail regarding the issue of it being removed off my report, they asked for my original cover letter XXXX XXXX sent out in order to prove it was in fact them at fault I agreed in saw no issue with doing so but now the only difficult issue is them sending the original cover letter back because theyre now claiming They havent received the letter nor requested it, even though I have audio proof from a supervisor on the matter confirming the letter had been received on the same day as my tracking number from ups
Consumer complaint received 2024-01-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-09
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. (NY)

I sent disputes to Experian consecutively last year in XXXX, XXXX, XXXX, and XX/XX/2023. I have been disputing this for a very long time now, but the credit reporting agencies fail to provide me the description or method on how they verified this account. They are reporting items on my credit report that are not 100 % accurate. The information that they are reporting is defaming my character and these allegations have effected my life. I can not get approved for a home loan, credit cards nor a car loan due to the false information. 

This is the account that is not reporting accurate : XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to contest the inclusion of this bankruptcy in my credit report. The filing and reporting dates, along with the closing dates, are misaligned. This is troubling as I have a court letter explicitly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party adds absurdity to this situation.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-09
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Consumer complaint received 2023-10-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (VA)

I received a collection letter from the Medical Revenue Service for a bill that should have been sent to my secondary medical insurance XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXby the provider. The medical provider is XX/XX/XXXX The date of service is XX/XX/XXXXreceived both of my medical insurance information upon the date of service. I do not owe this bill.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Around XXXX of XXXX  my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within XXXX business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX. TD still has failed to properly investigate the matter. A signed affidavit of forgery has been completed & still no progress.
Consumer complaint received 2023-09-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (HI)

I paid my homeowners insurance policy since XXXX till the present. Shellpoint and previous loan servers, tacked on humongous fees of homeowners policies. I demand a Complete audit of all homeowner policies that shell point and previous loan servers paid, after I paid for and kept my own homeowners policy active since XXXX to the present.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.