davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (OH)

I reviewed my XXXX  Reports and noticed that I have inaccurate late payments on this account. XXXX  Reporting Agencies have assumed a vital role and have a responsibility to report XXXX  information to the best of their ability with Maximum Accuracy. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (AR)

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXXXXXX XXXX XXXXXXXX account # XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NH)

There are several charge offs that are still on my account that needs to be removed permanently. 

Duty : A moral obligation Accurate : Correct in all details Prohibition : A law and regulation forbidding something As defined by the IRS Even if you didn't receive a tax 1099 c you must report cancelled debt and gross income The IRs clearly states a charge off as income, so the reporting of this account is inaccurate. Income does not get reported on a consumer report, which makes this report inaccurate. 

15 USC 1681 S-2 You are a furnisher of information to the reporting of this credit Bureau agencies . A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Therefore you are prohibited by law to furnish this information. I demand you cease and desist of this reporting. You are hereby put on notice that you have been reporting inaccurate information. 

15 US. Code section 1681 - 2, The responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after a notice and confirmation of errors, a person shall not furnish information relating to a consumer to any other consumer or any other consumer reporting agency. IF - I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and II ) The lender must file a 1099c and provide you a copy of the debt if the debt is more than {$600.00} and the lender is a federal institution, credit union, government agency.

Please send me a copy of the 1099c that they should of sent when they filed as cancelled debt. 

In conclusion, you are hereby notified and i have clearly shown the inaccuracies. This inaccurate reporting has caused harm to my family and a tremendous financial loss as I am unable to move on wit my life a life and livelihood while this reporting is blocking my growth. 

You have 10 calendrer days to remove these inaccuracies from my credit reports.

Again this is in regards to all charge offs You have listed as a charge off and as a charge off it should be a 1099 fee. If there was never sent a 1099 fee so then XXXX XXXX is trying to double dip because they are still trying to collect from me at the same time when they already received their money from the government as a charge off.
Consumer complaint received 2024-06-30
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. (VA)

XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXX their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXXI had 2 different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under XXXX
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

I have been charged at ATM 's. They were supposed to be free for me. I was charged at locations like stores. There wasn't supposed to charge me for taking money off. Also I have canceled cards more than one time. Somebody keeps hacking my account using money out of my account without permission. I keep having to do a far climb, and it happens every so often. And it's getting tiresome because sometimes. I don't get the car for a whole month. Or sometimes they don't want to do anything about it. And they don't speak proper English or the phone. You have to speak talk text on the online app for chi 'm. And it's just getting to the point where I might have to switch. Because the deposits are not posting. When I supposed to post a post? Money keeps coming out of my account. It's not supposed to be coming out and it takes too long to dispute it. You have to wait a long time. I understand that but at the same time. I have to pay things when I get paid
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to dispute the accuracy of the information being reported on my credit report by Capitol One, XXXX, and XXXX. Upon reviewing my credit report, I have identified discrepancies in the reported open dates and high credit amounts, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

As per the FCRA, it is imperative that accurate information is reported by credit bureaus and creditors alike. However, the inconsistent reporting by Capitol One, XXXX, and XXXX has led to discrepancies in my credit report, specifically regarding the open dates and high credit amounts associated with my accounts. 

Furthermore, the discrepancies reported by Capitol One, XXXX, and XXXX are not only inaccurate but also constitute a violation of the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies, and any violation thereof is unacceptable. 

In addition, I am exercising my right under 15 USC 6802 to opt out of the reporting of this account on my consumer report. Therefore, I formally request that Capitol One cease reporting this account to XXXX and XXXX effective immediately. 

I request that Capitol One, XXXX, and XXXX conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect Capitol One, XXXX, and XXXX to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Trident Asset Management, L.L.C. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 an account without my written instructions.

This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill.

The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies.

As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Consumer complaint received 2023-08-29
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 

Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor XXXX XXXX XXXX  Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXXXXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 

It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do so on multiple occasions, thereby violating the law.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have hard credit inquiry,5 that are not me doing this, no permission has been given for 5 hard inquiries, it's not me applying in my name, 1 was in XXXX XXXX XXXX nit been a XXXX  since XXXX when I got divorced, 3 recent from same company denial letters XXXX XXXX  that's not me, someone has been applying in my name, I'm not applying fur credit cards at all or bank loans in Kentucky XXXX XXXX 2 x in Kentucky iv never given anyone permission to check my credit at car dealers in Kentucky ever, I live be in Illinois . There is identity theft going on here 9 hard inquiries now on my credit report and it's not me applying fur anything. I don't have a denial letter yet from a 3rd hard inquiry that just happened more recently by XXXX XXXX again, I need to screen shot the other 3 hard inquiries to send that's on my credit karma report.
Consumer complaint received 2024-04-26
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. (DC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Equifax Credit Report pursuant to XXXX XXXX XXXX, The tradeline is with XXXX  XXXX  with Account Number XXXX and XXXX. These accounts DO NOT INCLUDE XXXX XXXX XXXX I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. Equifax has NOT blocked this tradeline from my credit report. It has since reappeared on my report. This account is to be BLOCKED INDEFINITELY as it was not opened by Me. Please see all of my attachments as proof of delivery and Notice of Identity Theft to Equifax.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC, continues to place incorrect information on all of my credit reports, including XXXX, XXXX, XXXX and XXXX. I have never had an account with this company. I have never signed a contract with this company. I have told this company that if they claim that I have signed a contract with LVNV Funding LLC, to send me a copy of the original contract with my original signature. They can't provide that because I have never signed any contracts with LVNV Funding LLC. I want this fraudulent information removed from all of my credit reports and for LVNV Funding LLC to refrain from putting this information on any of my credit reports in the future and I want it removed from all my credit reports within 30 days. They are knowingly trying to adversely affect my credit rating.
Consumer complaint received 2024-04-26
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. (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 USC 1681 XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

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.

I went in to look for a car and before i could even test drive a car the salesman ran my credit with a bunch of different banks that i did not authorize. 

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

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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.