davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

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 : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX/996, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- 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 2024-04-19
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. (TX)

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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and was shocked to see accounts that were opened fraudulently. I've notified the 3 major credit bureaus numerous times and no action has been taken on behalf of these institutions, whom continue to break the laws of the united states constitution by continuing to report this inaccurate information of my credit profile. This neglect has been hindering me from buying a home for my family. Please take the necessary action of upholding the constitution by removing these inaccuracies from my credit report
Consumer complaint received 2024-04-19
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Northstar Legal Group LLC (MN)

I signed up for a debt negotiation program thru Northstar Legal Group and it started ok- I have over XXXX dollars directly taken out of my check each month and nothing has been happening. I feel like they arent even getting my debts negotiated at all. It is becoming obvious to me that this is a scam. I cant even get them on the phone with me.
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FX Quick Cash, LLC (LA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Remove from credit report
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (FL)

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 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax, XXXX  and XXXX   has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-07-29
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)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-04-21
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. (MA)

This company XXXX XXXX XXXX still furnishering incorrect data to my files. They claim they never received a cease and desist letter from me, and continued to report to my file. I've sent numerous letters to fix this problem and never was fixed. XXXX never sent me any original documation of this alleged debt except a bill statement which is against the law. I've requested for any original contracts or proof and yet still not I received nothing. I never gave any consent to furnish to file, I have no contract with them nor did i have never given them any personal information of mines. XXXX can not report illegal and unauthorize personal information on my credit report. XXXX is under voilation of 15 usc 1692e False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. You can not communicate with any person credit knowingly inserting false information with no proof. Also, under 15 usc 1681i5a treatment of unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. They are violating 15 usc 1681s2, ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors : 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 2023-09-20
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. ()

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XX/XX/XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2024-04-21
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. (GA)

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. 

account name : XXXX & XXXX account XXXX account name : XXXX XXXX XXXX account number XXXX account name XXXX XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 USC 602A States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish my account without 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, other than records of conviction of crimes which antedates the report by more than 7 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 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<
Consumer complaint received 2024-04-24
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. (MO)

New Complaint : XXXX XXXX, XXXX **Experian Consumer Reporting** **Violation Notice : Violations of 15 U.S Code 1681s-2** I, XXXX XXXX, am lodging this dispute directly , without any third-party involvement. It has come to my attention that Experian has violated 15 U.S Code 1681s-2, specifically ** ( 1 ) ( A ) **, which prohibits the furnishing of inaccurate consumer information to a consumer reporting agency knowingly or with reasonable cause.

Despite Experian 's prior removal of all XXXX XXXX accounts and inquiries from my profile, they have irresponsibly re-added some. I have consistently denied any ownership of XXXX XXXX accounts. As I have stated before, I am a victim of identity theft and have filed numerous complaints with the FTC and CFPB regarding these accounts.

Here are the details : 1. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 2 . **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 3. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX **Account Info** : - **Account Name** : XXXX XXXX - **Account Number** : XXXX - **Account Type** : Business Card - **Responsibility** : Joint - **Date Opened** : XX/XX/XXXX - **Status** : Account charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
- **Status Updated** : XX/XX/XXXX - **Balance** : {$4800.00} - **Balance Updated** : XX/XX/XXXX This violation of 15 U.S Code 1681s-2, as well as other applicable laws including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Billing Act ( FCBA ), and the Fair Debt Collection Practices Act ( FDCPA ), is unacceptable. These laws ensure fair and accurate credit reporting, prevent credit discrimination, safeguard against unfair billing practices, and regulate debt collection.

Experian 's disregard for these laws demands immediate attention and corrective action to rectify this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (TX)

I paid off my Sallie Mae loan in full on XX/XX/XXXX, as agreed ending in XXXX. Upon creating the loan, I opened the loan in my name " XXXX XXXX XXXX '' but had to utilize a co-signer, so my father assisted " XXXX XXXX XXXX ''. 

I have reached out to Sallie Mae by official mail, email, and phone and have not been able to resolve the issues outlined : 1 ) Credit Bureaus are not reporting the loan as paid in full, paid as agreed, and closed for my credit, and my fathers. 

2 ) There is one late payment through the entire duration of the loan showing 60 - 89 days late in XX/XX/XXXX. I have already spoken with Sallie Mae, provided documentation, and this was supposed to be removed accordingly as I was in forbearance during this time and requested continued forbearance which was approved but for some reason their system did not recognize it.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CT)

Under my findings 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) I can not be discriminated against for any Type of credit transaction I was denied a line of credit however a credit transaction took place with this company Now i feel discouraged of applying for any future lines of credit
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I asked to have credit company, validate the debt and provide the instrument used to validate the alleged debt. Reappeared once removed and violated 15 U.S Code 1681n.This account is inaccurate please delete XXXX XXXX XXXX Account- XXXX balance- {$720.00} I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

This is inaccurate and needs to be deleted immediately as its a violation.
Consumer complaint received 2024-06-08
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. (TX)

XXXX XXXX XXXX Account Number - XXXX XXXXXXXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-09-20
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)

This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to XXXX XXXX totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Today, Tuesday, XX/XX/2023 I was notified about Equifax 's response, which is wholly unacceptable. They should NOT be requiring me to send sensitive information through the mail. There is no reason why this large volume of information should be required to be sent in any capacity period. 

The U.S. Government is enabling XXXX 's unacceptable behavior. The U.S. Government is NOT serving the entire American people when our government chooses to enable companies like Equifax, to close and ignore complaints. The Consumer Protection Bureau is basically pointless. 

... .... '' send us a letter with your request and include your full name, any former names you used recently, current address ( and former address if at current address for less than XXXX years ), and date of birth. You should include documentation to verify your identity and address ( for example : drivers license and pay stub or utility bill ). You may send this information to address listed below. We have also mailed you a letter describing the documentation needed to verify your identity. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX '' ...... 

XXXX and XXXX did NOT require any of this nonsense to place fraud alerts. XXXX was actually user friendly and immediately placed a fraud alert on my file.
Consumer complaint received 2024-06-08
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. (AZ)

Despite our previous attempts, I regret to inform you that these items still persist on my record. As we enter the tenth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$260.00} ; FIRST XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX.