davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (NV)

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. 
All Accounts : Has Violated my rights. 

XXXX XXXX XXXX ACCT XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 602 A. 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 a without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information Any other adverse item of information, other than the 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.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719,1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S.C 1681b. Permissible purposes of consumer reports... 
( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX # XXXX '' date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, As per my rights under the Fair Debt Collection Practices Act ( FDCPA ) if a debt collector fails to validate a debt all collection efforts must cease and the continuation of reporting that debt is a direct violation of FDCPA. XXXX XXXX failed to validate a debt on behalf of XXXX XXXX I have sent out several letters to all parties involved regarding this information including XXXX XXXX and Equifax  requesting XXXX they correct this inaccurate information on my credit file and both credit agencies responded that account was verified. Now I would like to file my CFPB complaint formally.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2023-08-28
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. (MS)

On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XX/XX/ and I have not received any correspondence back from XXXX XXXX  This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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 2024-05-16
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: Experian Information Solutions Inc. (PA)

I have always paid this account on time, ensuring it never becomes overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Under 15 USC 1666b, this billing error needs to be corrected.
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (AZ)

The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.
Consumer complaint received 2023-08-28
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. (PA)

XX/XX/XXXX FROM : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX TO : EQUIFAX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX USPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : SETTLEMENT OFFER FOR CASE NUMBER : XXXX DEAR EQUIFAX, You have broken the law by knowingly and willfully obtaining, possessing and reporting information that has resulted from Identity Theft as defined in 15 USC 1681a ( q ) ( 3 ) & 18 Pa. C.S. 4120. I have made multiple attempts to resolve this matter with your agency privately, but my private complaints have been ignored and mishandled. Due to my unsuccessful attempts I have been left with no other choice but to file a lawsuit against you on XX/XX/XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE SEE ATTACHED SUMMONS ). I am attempting one last time to resolve this out of court, but if we can not come to an agreement, I will see you in court on XX/XX/XXXX at the hearing. 

If you would like to settle this matter out of court, you must comply with the following : Permanently delete the following accounts from my consumer report and send proof in writing that you have done so to the mailing address attached as well as email : XXXX within 5 business days from the receipt of this notice : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY REFERENCE XXXX XXXXXXXX -INQUIRY - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX In exchange for your expedited and full compliance of the above offer, I will withdraw my claim and or file a motion to dismiss with the herein mentioned court. I look forward to resolving this matter amicably. You may contact me at : XXXX if you would like to discuss this matter further. 

If I do not hear from you within 7 days of the receipt of this notice you leave me no alternative but to move forward with the lawsuit already filed against you in which I intend to seek redress in the amount of {$5000.00}. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CO)

I do not know who this lender is and do not recognize the account. Further, they keep reporting these accounts as being in good standing with payment terms met and/or that the loan is in deferral, but I have not requested any deferrals from this company, nor have I made any payments on these loans. We filed XXXX XXXX XXXX and it was discharged in XXXX. All private education loans were included in the bankruptcy ( as they were not qualifying bankruptcy exempt student loans ) and if these loans are mine ( which I also dispute since I don't have any record of having these loans with this lender ), they should have been discharged along with the other consumer loans that were included in the bankruptcy. Even if the loans were not qualified under the bankruptcy, the loan 's first date of delinquency would have been prior to filing the bankruptcy AND far more than 10 years have passed since that time ( the bankruptcy isn't even on our credit report anymore it has been so long ). For example, older copies of my credit report show the loan being 180 days past due and " charged off '' in XX/XX/XXXX, with a status note that the account would continue on record until XX/XX/XXXX. I have also disputed this several times with the credit bureaus, including in XX/XX/XXXX, at which time an account with MRU was deleted from our credit reports as a result of the dispute. I don't know when the loan was transferred to AES, as I have no record of that ever occurring, but clearly AES illegally put the loan back on our credit reports. 

I believe that this company is deliberately falsely reporting the loans as being in good standing to avoid the loans dropping off our credit reports and to circumvent the statute of limitations for collecting the debt. I have requested proof that the loans are indeed mine, along with proof that this lender owns the rights to collect the debt and proof that I requested deferment status on the loan/made payments as agreed since that is what they are reporting to the credit bureaus. The company never provided the information to me. I believe they are deliberately breaking the law by falsely reporting this debt and not providing any information I requested. While the status of the loan doesn't have a negative impact on my credit, the balance certainly does. It prevents us from qualifying for loans that use DTI ratios in their criteria and has caused significant financial harm from how it affects our credit scores and ability obtain credit. Similar companies have been subject to investigation/class action lawsuits for violating credit reporting laws and attempting to collect debts that were XXXX in bankruptcy ( for example there is a current settlement going on for a lawsuit against XXXX Solutions for this exact thing ). I believe XXXX/MRU and XXXX/CSLT are doing the same thing. Please investigate this matter further. I have tried disputing this with the credit bureaus and nothing is being done.
Consumer complaint received 2024-03-28
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)

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.
Consumer complaint received 2024-03-29
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. (NC)

This is one of several complaints regarding my status as a victim of identity theft, and I am writing to formally dispute certain accounts in my credit file stemming from this crime. The account in question does not pertain to any transactions involving goods, services, or money that I have authorized or engaged in. It is entirely unfamiliar to me. Additionally, I have noted discrepancies in the information provided on certain accounts, as it has been deleted from other bureaus. Furthermore, the reported payment history on some accounts is entirely inexplicable to me. 

I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
XXXX XXXX.
Consumer complaint received 2024-08-30
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. (TN)

I recently obtained my credit report that was not reported accurately. I had XXXX late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 



thank you for your understanding and prompt response.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

This is a complaint against the three major credit reports agencies, XXXX, Equifax and XXXX is reporting a US Bankruptcy Court of XXXX on my credit report which is false. I have reached out to the three major reporting agencies and filed a dispute asking them to delete this incorrect information immediately based on the following fact. I have attached a verification letter from the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX XXXX stating the U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report, verify or furnish any information to the credit bureau or any credit monitoring agencies with regards to verify bankruptcy information.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I respectfully ask for a removal of this inquiry that are not initiated by me, and made without my consent. These requests are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion from my credit report.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (MI)

I have a XXXX XXXX Account with XXXX, it was closed because I missed a payment. I haven't been able to get in contact with anyone to explain to me why I can not pay this account. I don't want to use it I just don't want it reporting to all three credit bureaus as delinquent when I am trying to pay it! I have never heard of a company not allowing for you to pay an account that's overdue. Is it because the money that funds the account is actually my money and if I pay it they will not be able to steal {$860.00} dollars from me? This has to be illegal and I demand an explanation. I am also going to file a complaint with the CFPB and the FTC for a violation of my consumer rights.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2023 I received a call from Chase Credit card company, asking if I had changed my address on my account and requested additional cards. When I told them I had not, the asked me a security question and I refused to answer because they initiated the call. I then called the customer service number on the back of the card and was advised they were freezing the account and sending me new cards. They transferred my call to a security specialist and she help me change the Name and password on my account. 
Upon logging in with new info I notice statement for a XXXX credit card had a balance of {$8900.00}. The security specialist transferred me to a pass due specialist because the account had been closed. This representative said the charges were from XXXX XXXX XXXX XXXX on XX/XX/2023 for {$8700.00}. I explain to her that I had never made those charges she told me that my account would be credited. We discussed a Late Fee charge of {$29.00} and an interest charge of {$37.00} that would also be credited. Then on XX/XX/XXXX, we received an e-mail from Chase stating Your next payment is almost due for the amount of {$52.00} we found on our credit report from XXXX the we had a charge form XXXX XXXX for {$52.00} on XX/XX/2023. 
On XX/XX/2023 we called chase and was told we had credits pending to resolve my account ot a XXXX balance.