davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (NY)

XXXX, Experian, and XXXX have failed to provide documentation to proof the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!
Consumer complaint received 2023-12-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp. (TN)

The information supplied is incorrect. No debt is owed. That was not my account number. My account number was XXXX I have not had XXXX XXXX XXXX  since XXXX. I moved and their service was not avail at my new location. I told them this prior to moving and they confirmed I owed nothing else. In spite of that XXXX XXXX XXXX continued to bill and tthreaten legal action and after 2 years of arguing with their staff. They saw sense and XXXX out account. Fast forward 5 years from that point and they actually owed ME money that was refunded in XX/XX/XXXX. How do I owe them {$45.00} when they refunded me {$170.00}?!? 
They dont even have the address correct. The address they listed isnt even where I had original creditors service. That is just the last address they obtained from some other means because I havent even lived at THAT address for XXXX years. 
I will be attaching with this complaint the equipment return instructions from XXXX showing the account number, and the refund information from XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. 3 bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have several billing disputes with several merchants. This useless bank keeps asking me for documents and when I send this useless bank the documents it asks me for it's never good enough for them! Useless! I'm an excellent customer with excellent credit! I maintain my account with this useless bank impeccably! I expect more from the banks I do business with! I need a bank who will work hard for me! That's not this useless bank!
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting Act, The following addresses are inaccurate and need to be removed from my credit report. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Section 623 XXXX a ) states that a person, including a financial institution, XXXX, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

2 collections accounts were added to my Transunion credit score from XXXX XXXX XXXX, one for {$13000.00} and another for {$6700.00}. I have no knowledge of these accounts, of the apartments to which they correspond, or of XXXX. I filed a dispute with Transunion on XX/XX/XXXX which determined the accounts were accurate ( they are not ). I filed a CFPB complaint against XXXX on XX/XX/23 which did nothing. I began communicating with XXXX, requesting information on the accounts ( move-in dates, move-out dates, a list of charges, copy of signed lease, address of the apartment units, account numbers, etc ) and they refused to give me any information until I filed a Transunion dispute, which XXXX had already done. It seems that neither Transunion, nor XXXX XXXX XXXX have been doing their due diligence to resolve these issues and my credit score is suffering in the meantime.
Consumer complaint received 2024-04-24
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Demand for Deletion of Inaccurate Information on XXXX XXXX XXXX Account Number XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit report by Experian regarding Account Number XXXX with XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified discrepancies that require immediate attention and deletion. 

The inaccurate information pertains to the payment history provided in the table, which inaccurately portrays my payment activity on this account. Despite the account being closed and my consistent, timely payments, it is erroneously listed as a " Collection account/Never late, '' with a past due amount of {$1500.00} as of XX/XX/XXXX. 

I demand that this account be promptly deleted from my credit report due to the inaccurate reporting outlined above. I request written confirmation of the results of your reinvestigation and any updates made to my credit report as a result. 

Thank you for your prompt attention to this matter. I anticipate receiving a response within the prescribed timeframe of 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
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. (NJ)

I understand FCRA 605B to require the elimination of any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed contain inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-04-23
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. (TN)

I am very concerned, because my credit report is showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have attached a completed FTC report for your review. Please remove all inaccurate information as you are in violation.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Hi, I've noticed additional incorrect information on my account such as unknowledgeable addresses listed on my file as well as place of occupation. I am a victim of identity theft, and I would like this information removed and updated with the correct personal information about myself. Please advise. Thank you in advance.
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: EQUIFAX, INC. (IL)

Ive just recieved my credit profile and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the fair credit reporting act, XXXX  account number XXXX, XXXX, XXXX, XXXX, as well as a fraudulent address XXXX has violated my rights 15USC 1681 602 A states i have the right to privacy 15 USC 1681 604 a section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

A Charge off is considered a certificate of indebtedness. please remove from my credit report. This information is being reported inaccurately. I understand I have rights under The FCRA that states any account reporting incorrectly will allow me to seek compensation for Each violation. I understand that is also illegal to report transaction history. 

XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

For the last XXXX  years I have been fighting with EXPERIAN to correct their mistakes in hope to find some form of justice from their direct discrimination towards me and my reputation. I have submitted several complaints on XX/XX/XXXX and XX/XX/XXXX and now on XX/XX/XXXX. I was hoping that these complaints would be received and the problem corrected but EXPERIAN continues to damage my reputation by these inaccurate reports. I will reiterate yet again that is it EXPERIAN 's duty pursuant to the FCRA to report CORRECT and ACCURATE information on my credit report and file. EXPERIAN is reporting now XXXX inaccurate late payments for the XXXX account ending in XXXX. There are now XXXX additional new late payments posted on my credit report with XXXX negative months listed on my EXPERIAN report. This includes a XXXX  day late payment posted on XXXX XXXX XXXX  day late payment on XXXX XXXX XXXX day in XXXX XXXX, XXXX  day in XXXX XXXX XXXX day in XXXX XXXX XXXX  day in XXXX XXXX XXXX day in XXXX XXXX XXXX  day in XX/XX/XXXX, and a XXXX  day in XXXX XXXX. This whole account was reported as fraudulent and a result of identity theft and the account was marked as CHARGE OFF by XXXX XXXX and closed. I had to go through lengths to get XXXX XXXX to correct their mistake and they had the nerve to reinsert the account under a different number from the original XXXX to a new XXXX ending in XXXX. 
Furthermore, there are several months showing on my report with " CO '', or charge off, in between the months that were reported with late payments. None of this makes sense nor has EXPERIAN acted in good faith in the matter. As previously reported, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thereby violating my rights pursuant to 15 USC 1681b ( a ) ( 2 ). I have made my case abundantly clear nad have laid out hard facts to support my case. This is injustice and I will not stand for it any longer. EXPERIAN will take off all late payments and never have it reported on my consumer report again.
Consumer complaint received 2023-08-29
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. (IN)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2023-09-13
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-24
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-24
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. (TX)

XXXX XXXX -XXXX {$4600.00} XXXX XXXX - XXXX  {$1000.00} XXXX XXXX - {$29000.00} XXXX XXXX - XXXX {$240.00} In accordance with the Fair Credit Reporting Agency , the companies listed above 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
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. (GA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, 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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (FL)

First of all XXXX keeps taking my score down and Im paring all my creditors on time as agreed. XXXX recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX XXXX XXXX my credit score has decreased by the XXXX. 

TGEIR reasoning for this low score is very contradicting.. XXXX, XXXX XXXX XXXX Experian are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from Experian inviting to apply with XXXX XXXX. Only emails I received from XXXX are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.