davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Equifaxs reporting on PAID and CLOSED XXXX XXXX account that is MORE than XXXX XXXX XXXX. This has been so frustrating. Im on the brink of HANGING myself if these credit bureaus continue to deliberately destroy my life. I really dont know what else to do at this point if even you as their authority are unable to put these reporting entities in check. 
WHY? WHY? WHY is Equifax still reporting and submitting negative information on XXXX XXXX??? WHY?
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding an account on my consumer report and to request assistance in resolving this matter. The account details are as follows : Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX I kindly request the deletion of this account from my consumer report to ensure the accuracy of my credit history.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Request that all credit reports be corrected. Correcting incorrect information, inaccurate information, information that isn't and hasn't been verified, stating that it had but I know that wasn't true and information that doesn't belong to me
Consumer complaint received 2024-09-08
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. (MI)

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 


Account Name : XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Consumer complaint received 2024-09-02
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to reportall information with complete accuracy. This account has not been late on this particularpayment. I've attacheda copy of my report for hiscomplaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-02
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to reportall information with complete accuracy. This account has not been late on this particularpayment. I've attacheda copy of my report for hiscomplaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-02
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. (MD)

This account was charged off on the followind date : year XXXX 
Since then the account has repeatedly been updated as charged off every month. This is an update in the paymeny history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX and you neglect has violated my rigths, I am demanding a deletion of the following account : XXXX XXXX XXXX, account number : XXXX.
Consumer complaint received 2024-05-11
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)

This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe. 

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

Jefferson capital is reporting laye payments!!!!! I never agreed of any sort thing of payments with this company.I don't know where they're getting this from.But this is unethical on their part for them.Being a business and it's a violation of the FAIR CREDIT REPORTING ACT!!!! THIS IS DEFINITELY UNFAIR AND UNETHICAL OF JEFFERSON CAPITOL!!!!!!!
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been a victim of identity theft while I was XXXX with XXXX. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had GAP Insurance. After GAP payed they left me a balance of {$880.00}. I don't owe this as GAP should have paid this car off.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX is fraudulently reporting to all three credit bureaus that I am delinquent and that my balance is XXXX. When in fact I am current with a spending balance and my credit balance owed is only XXXX. This is not the first time XXXX  has reported false balances. They do it right after every payment Ive made. They then send me a text with the wrong balance and later correct it. This error however has hurt my credit and livelihood. Im a victim of identity theft and right now Im under a lot of stress from fighting to fix all of that and XXXX XXXX is only adding to that stress with this issue.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-11
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. (GA)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I received a copy of my ChexSystems record and I have found several inaccuracies in the report. 

Account abuse of the following account : Routing # XXXX Account # XXXX Under FCRA 15 U.S.C Section 1681i, I have the right to request deletion of inaccurate or unverified information located inside of my consumer file. You understand that providing inaccurate information to creditors seeking my report is damaging to my reputation and creditworthiness. Therefore, I am asking for immediate deletion of these accounts from my consumer file OR the documentation in which you used to verify that these items are accurate. Be advised, I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified, validated or accurate.
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results.
Consumer complaint received 2024-05-11
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. (TX)

XXXX XX/XX/year> request for the inquiries to be deleted XXXX XXXX XX/XX/year> request inquiries to be removed XXXX XXXX XXXX XXXX XXXXXX/XX/year> request inquiries to be removed XXXX XXXX XX/XX/year> request inquiries to be removed XXXX XX/XX/year> requesting that all these inquiries be removed Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( XXXX, XXXX, TransUnion )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services.

No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours?

No Were there any fraudulent accounts included in your credit report?

No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit report, XXXX XXXX XXXX, XXXX XXXX Update
Consumer complaint received 2024-05-11
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. (IL)

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 : XXXXXXXX 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 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 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

The first conversation with Convergent Outsourcing Inc. was done on XX/XX/XXXX at XXXXXX/XX/XXXX. The debt amount was for {$2300.00}. Talking with agent, she said they will accept {$730.00}. I did not have that amount available at that time. Therefore, I called the next day, Tuesday XXXX of XX/XX/XXXX. I spoke with an agent and we agreed that I was going to pay the {$730.00} the amount that I had talked with the other agent the day before. When I was ready to pay he asked for my bank number or debit card. I wanted to pay with a cashier 's check so I had the cash on hand. I told the agent I had to go to the bank to deposit. At the bank I talked to the staff and they let me know that the fact that Convergent did not want to accept a bank cashiers check raised a red flag. 
I then proceeded to call back to Convergent to let them know that I would be paying the amount of {$730.00} using a cashiers check. I told the agent I was not comfortable giving my bank account or debit card. I was concern with fraud issues. I wanted some paperwork for my records. I also asked for a letter or email that stated in writing that Convergent had agreed to the amount before I send payment. They refuse to send me any letter or email that they would accept the amount as paid in full. And that the only form of payment was with back account, debit card, or personal check.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MI)

American Credit acceptance, account charged off on XX/XX/XXXX. XXXX XXXXXXXX, charged off, currently under dispute XX/XX/XXXXXXXX XXXX XXXX XXXX, account XXXX. 
Credit acceptance, repossessed, XX/XX/XXXX, under dispute and past due as of XX/XX/XXXX, never mine. XXXX of XXXX XX/XX/XXXX, resold to another company during COVID pandemic, under dispute due qualification of loan forgiveness, deferred and reported as past due as of XX/XX/XXXX. XXXX XXXX XXXX, collection opened XX/XX/XXXX, account in collection as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, account charged off. XXXX XXXX XXXX, XX/XX/XXXX, account not mine, in collections with balance of {$1600.00} as of XX/XX/XXXX. resurgent XXXX XXXX XXXXXX/XX/XXXX, account in collections {$460.00}, does not belong to me. there are also two XXXX XXXX evictions listed on my public record due to being a XXXX XXXX  during global pandemic. attached is FTC report
Consumer complaint received 2024-05-13
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. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-13
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

In XXXX XXXX XXXX XXXX XXXX XXXX was given the task of collecting and distributing child support for my ex wife. Money was to be taken my paycheck directly and given to her. However, until it started I sent them a check. Unknown to me th we considered this action as a late payment and reported it to the credit bureaus. I have sent copy of the cleared check to show I was not late in paying but the late payment still remains. Also, my daughter has turned XXXX and graduated high school in XX/XX/XXXX so I do not owe child support any longer. XXXX XXXXXXXX sent me a check for over {$900.00} in refund for my overpayment of child support. I provided court documents showing when child support started and ends as well as cleared first check showing no late payment as well as refund showing nothing owed but it remains on my credit reports. Should not even be on there at all. I owe nothing and was never late
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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.