davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian is reporting late payments on several accounts that are incorrect. I was not late with these payments this has not been proven that I was indeed late. 

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 ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-07-08
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. (MD)

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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX 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 2023-09-18
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. (FL)

The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXXXXXX  ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXXXXXX  .... 6 ) XXXX XXXXXXXX {$730.00} XX/XX/XXXXXXXX  .... 7 ) XXXX XXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. XXXX gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. One month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. XXXX lost it. I submitted another dispute form and it magically disappeared again ( my guess was XXXX wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. XXXX LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my 5th dispute form over the course of several months. XXXX lost it again. When I finally submitted my 6th dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and XXXX refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.
Consumer complaint received 2024-05-29
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to XXXX XXXX, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-08
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. (MD)

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 2024-08-05
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. (PR)

This account was charge off on the following date : XX/XX/year> since them the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This innacurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglet has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (IL)

I understand that FCRA 605B mandates the removal of any erroneous accounts from my credit report. These accounts have been inaccurately reported. I am entitled to {$1000.00} for each false report on my credit file.
Consumer complaint received 2024-05-29
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
These items : 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  As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed from credit report. 
Please reinvestigate these matter and delete items as soon as possible.
Consumer complaint received 2024-05-29
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)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$300.00}
Consumer complaint received 2024-05-29
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 2024-07-08
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. (PA)

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 2024-05-29
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. (SD)

Please review why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been contacting Experian for the past four months, I have no resolution to remove inaccuate address on my credit report. I have called Experian and spoke to a rep on XX/XX/XXXX removing my address. The rep stated I will need to send my identification such as driver 's license, copy of ssn, and a bill. I sent certified mail in XXXX the documents. Then, I received an email that stated my credit report has been updated. It was not. I sent another certified mail with different documents-copy of my cable bill, copy social security number, and my lease. XX/XX/XXXX, I received another email stated the results of the processing of your dispute ( s ) are now available. View the results instantly online. My results was not updated.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies regarding reporting, inaccurate amounts, and dates.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (IL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax My name is XXXX XXXX and i am a natural person. 

I am writing this to get some inaccurate info removed. The inaccurate information in question is as followed : On XX/XX/year> I submitted a complaint with XXXX XXXX XXXX about an alleged debt that was being reported on all XXXX CRA 's ( Complaint Id # : XXXX ). Upon further investigation the company responded on XX/XX/year> with a .pdf file acknowledging that the alleged debt needs to be deleted and had notified all XXXX CRA XXXX to delete the collection. Under the FCRA, 15 U.S. Code 1681n if a consumer reporting agency furnishes incorrect information to a XXXX party ( such as a creditor ) and the consumer suffers damages as a result, I, the consumer, may be entitled to damages, including statutory damages of up to {$1000.00} per violation, as well as actual damages and attorney 's fees.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX ( Charged off ) -- {$22000.00} XXXX XXXX XXXX  # XXXX ( Charged off ) -- {$21000.00} XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
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. (IL)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received no notice nor call as instructed due to identity theft freeze placed by all bureaus. I proceeded to record call as representatives behavior was misogynistic and discriminatory against XXXX persons and contradicts federal law and legislation for XXXX persons. Capital One postures as a credit bureaus to circumvent the law and regulations which they are NOT! A hard pull was made by Capital One XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX 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 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied for no credit for already existing accounts with Capital One, XXXX and recently found transactions on my XXXX account XXXX which caused the card to be closed, and replaced as account had XXXXbalance. Capital One card is also Infrequently used. I have had to replace 5cards due to unknown transactions and even XXXX which is connected to my bank account had issues with applications and credit requests. I keep my credit frozen locked but have been a victim in ALL previous breaches and all my information is on dark web. XXXX and XXXX were supposed to provide premium services free for several years however they have NOT. I have the emails confirming promise and received a small prepaid virtual card payment but this is crazy and ridiculous for me to have to babysit corporations when the bureaus clearly state notify CALL to verify identity. My account holders have failed to secure my accounts and obey the law. Please fine and counsel them and perhaps audit them to prevent further abuse of consumers.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX