davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (OR)

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 2024-09-05
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. (NJ)

Upon reviewing my Consumer Reports, I found some instances of late payments on an account for which is not accurately reported on all of my Consumer Reports. As you well know, Payment History is a very important component to achieving a Great score. On my XXXX credit my Payment History is 100 %. That's not the case with Equifax and XXXX accounts. I have reached out to the account ( XXXX ) and they complied and updated my account that I am in good standing and caught up on my payments. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments and the inaccuracies of each credit bureau for not being updated on the removal of the late payments. If so, I demand a removal of the late payments on my credit so I can use my credit score to obtain a home I keep being declined for. Thanks
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I have a Care Credit card for dental expenses. 
Every time I use it they change the day when I need to pay my monthly balance and they they give me late fees. 
I called the company and the rep said that is just what they do. 
This is a predatory and dishonest practice.
Consumer complaint received 2024-05-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax 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. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am writing to the accuracy of my credit report and there are two discrepancies on my report that have hurt my ability to obtain new credit. Under FCRA laws these accounts must be validated and after countless times trying to validate these accounts unverifiable accounts must be removed from my credit report and if unable to verify accounts then you have to delete immediately.
Consumer complaint received 2024-05-27
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. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-03
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

To whom it may concern.

Thank you so much for resolving my identity theft a while ago. 
Now a new unknown company pop up on my credit report saying I owe them money. This is pure identity theft again, I freeze my credit account already, somehow this scam company still has access to ruin my credit. Please CFBP help me resolve this. the company name is Transworld System Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX you can see from my credit report I never owe nobody and has excellent XXXX scores for years. just this few years these XXXX scam companies that does not even have a service in Ca keep on stealing my information. Please CFBP resolve this problem. Thank you so much.
Consumer complaint received 2024-06-03
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-27
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)

I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining.
Consumer complaint received 2023-08-28
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. (AL)

All inquired about the report are in violation!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-03
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. (TX)

Applied Bank Account XXXX - XXXX. I just received a copy of my credit report. To my surprise, this charge off account is reporting incorrectly, not only that but the Payment Summary is inaccurate for example Experian is reporting XXXX, XXXX, XXXX, XXXX and XXXX shows charged off But, XXXX shows, XXXX, XXXX XXXX, XXXX but the montth of XXXX shows DATA UNAVAIBLE. XXXX shows ACCOUNT CLOSED NO PAYMENT SUMMARY. I Forgot to mention these is for the XXXXXXXX XXXX XXXXXXXX but this is a inaccurate credit reporting. According to the FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (GA)

This company never complied with the law. They never sent an initial notice that they were collecting and purchased the debt. This account is passed the statute of limitations for collection. THIS IS AN OFFICIAL CEASE AND DESIST!!!! THIS IS AN ORDER. Cease any and all forms of communication and collection activity.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXXXXXX XXXX  - XXXX - This was Paid as agreed and should not be showing any derogatory information on my report. 

XXXX XXXX - XXXX - As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the presence of incorrect hard inquiries and inconsistencies on my credit reports with Equifax and XXXX. Despite my repeated attempts to dispute and address these issues directly with the credit reporting agencies, I have encountered limited response and no satisfactory resolution. I urgently need all incorrect hard inquiries and inconsistencies removed from my credit reports without further delay. 

Details of the Complaint : Incorrect Hard Inquiries : My credit reports with Equifax and XXXX contain hard inquiries that are either incorrect, not associated with me, or lack accompanying information. 
These incorrect hard inquiries are negatively affecting my credit score and creditworthiness. 
Inconsistencies : Inaccuracies and inconsistencies are prevalent throughout my credit reports, affecting account information, credit utilization, and payment history. 
These inconsistencies are causing substantial harm to my credit profile. 
I kindly request that the Consumer Financial Protection Bureau intervenes in this matter on my behalf to help expedite the removal of these incorrect hard inquiries and rectify the inconsistencies present on my credit reports with Equifax and XXXX. Accurate and reliable credit reporting is essential to my financial well-being.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
I am requesting pursuant 15 USC 1681i ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
when disputed information can not be verified is to delete that information. In particular, Section 1681i outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ e ] it. See XXXX, 827 F.3d at 1304 Delete the information you are Reporting as Late.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my credit with you has been compromised. I was going through my records & noticed many items which were opened without permission were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to false credit reporting. The dispute items unknown to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-27
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)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the bank thru a phone call and they said to fix these. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (IA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to delete the following information on my file. The items I need deleted are listed in my credit report. I am a victim of identity theft and did not make the charge. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Identity Theft Affidavit. Please delete these items as soon as possible