davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-10-26
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. (CT)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (IL)

From XX/XX/XXXX  to XX/XX/XXXX  I was a victim of unauthorized transactions with Google Pay, Wallet. I had my phone stolen, and had my device compromised -- -I had a few XXXX dollars of disputes because this person who sent themselves money and or obtained it from my device to theirs... was somehow able to keep the money and I was not informed of the transactions. I want my money back, and I want this to be fixed. The person who did this, who I showed in my documents is currently XXXX  for crimes and so I wish this could be resolved and my money returned.
Consumer complaint received 2021-01-06
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-06-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I presently have four student loan accounts with XXXX. All four of these accounts were originally opened with XXXX XXXX under the title of 'XXXX XXXX XXXX XXXX '. Thereafter, the accounts were assigned to XXXX without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have XXXX correct these errors. On two occasions through Equifax and on one occasion directly with XXXX by mail, I have asked XXXX to correct these reporting errors that are clearly contrary to the terms of our Promissory Note.

Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), XXXX was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. 

Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, XXXX began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that XXXX reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with XXXX 

To date, XXXX has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. XXXX XXXX failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, XXXX has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.
Consumer complaint received 2024-05-19
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. (FL)

So, as you can see on the report it's showing two accounts reporting on my history. The progressive file wasn't given any permission to open. The XXXX XXXXXXXX file was a paid in full account that is still being reported as charge off. The following address on that file isn't my correct home address. The Address listed below on the letter is my current address and has been the only apartment I've ever lived. I would like These accounts to be analyze soon as possible - XXXX XXXX
Consumer complaint received 2024-03-08
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax, I am writing to address a matter of concern that has come to my attention upon reviewing my credit report. It has been noted that there is a public record entry reported on my file. I have serious reservations regarding the accuracy and completeness of this information, specifically related to a XXXX XXXX bankruptcy Reference number : XXXX In accordance with the Fair Credit Reporting Act, I am requesting your agency to verify the authenticity and accuracy of the reported public record. It is imperative for me to understand the source of this information and the method through which it was acquired and subsequently reported on my credit file. 

Should you be able to verify this public record, I kindly request that you provide me with the following information : 1. The name and contact details of the entity or individual who supplied you with this public record.

2. A detailed explanation of the process through which this information was verified and deemed accurate enough to be included in my credit report. 

From my understanding, the courts do not report or furnish information to the credit reporting agencies. The integrity of the information reported on my credit file is of utmost importance, not only for my personal financial health but also for maintaining the accuracy and reliability of consumer credit reporting as a whole. 

I appreciate your prompt and thorough attention to this request. Ensuring the accuracy of my credit report is crucial, and I trust that your agency will take the necessary steps to verify this public record entry and provide me with the requested information. 

Thank you in advance for your cooperation and understanding in this matter.
Consumer complaint received 2023-09-18
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. (GA)

I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any ab949dv item of information other than records of convictions of crimes which antedates the b.
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX, TransUnion and XXXX are continuously inaccurately reporting my personal information monthly, and I request immediate correction. Please delete these names XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, my address is inaccurately listed as XXXX XXXX XXXX XXXX, MI XXXX on my credit reports. This information is not entirely accurate and must be deleted. Under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited to furnish any information relating to a consumer to a consumer reporting agency ( CRA ) if the person knows or has reasonable cause to believe that the information is inaccurate. These credit reporting agencies reporting of my information is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Furthermore, these CRAs do not have my consent to share my personal information with any individual or corporation, violating my right to privacy under 15 U.S. Code 1681b. I am providing accurate information regarding my name and address with my lease, utility bill, and driver 's license. I request that you correct my personal information as outlined above.
Consumer complaint received 2024-03-08
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. (MI)

This is my 4TH endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$1100.00}
Consumer complaint received 2024-03-08
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/2022 on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-03-07
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. (GA)

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

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 2024-05-20
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. (CA)

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the bank associated with this account and they said they have removed the accounts, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. Please DELETE the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

RE : Dispute Regarding Inaccurate Charge-Off Account on My Credit Report I am writing to formally dispute an inaccurate charge-off account appearing on my credit report from XXXX XXXX, which I received on XX/XX/2024. The account information in question is as follows : Account Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 This information is inaccurate because the account was included in the error.I request that you investigate this matter thoroughly and remove this inaccurate information from my credit report within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 
Please notify me in writing within 30 days of the results of your investigation. If you find the information to be inaccurate, I request that you update my credit report and provide me with a copy of the revised report.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-17
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)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2024. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report