davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am writing to formally dispute the reporting on my credit account, which inaccurately alleges non-compliance with 15 USC 1692 ( g ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your account 's reporting contains misleading information that fails to adhere to the guidelines outlined by the FCRA, specifically in relation to the aforementioned statute.

According to the FCRA, disputed items that can not be supported by evidence should not be included on a consumer 's credit report. Given the lack of substantiating evidence for the reported non-compliance with 15 USC 1692 ( g ), I request that this disputed item be removed from my credit report immediately.As a consumer, I am entitled to fair and accurate reporting of my credit information, in accordance with the provisions of the FCRA. 
It is imperative that your account upholds these standards and ensures that all reported information is substantiated and compliant with the law. 

HOW CAN YOU ACCEPT MY LETTERS, WITH THE GREEN RETURN RECEIPT TO PROVE SO, AND NOT NOTIFY ANYTHING TO THE CREDIT REPORTING AGENCIES OF WHAT I HAVE SAID, AND NOT PROVIDE ANYTHING BACKING YOUR RECKLESS CLAIMS AND DECISIONS. YOU CLAIM THAT YOU HAVE GIVEN ME A LOAN HOWEVER I APPLIED FOR CREDIT, AND SUBMITTED A CONSUMER CREDIT TRANSACTION SO WHOS CREDIT DID YOU GIVE ME?. YOU CLAIM THAT YOU HAVE GIVEN ME A CREDIT CARD BUT THAT IS INDEED MISLEADING AND DECEPTIVE AS ( EXPLAINED BEFORE IN PREVIOUS LETTERS ) THAT A CREDIT CARD IS NOT SOMETHING YOU ISSUE YOURSELF. WE ARE BOTH AWARE OF THE DEBENTURES BEING UTILIZED, WHICH CREATES THE FANTASY YOU SO HOPE FOR PEOPLE LIKE ME TO BELIEVE IN YOU ACTUALLY GIVING XXXX MONEY OR A LOAN. HOWEVER, YOU CAN NOT LEND CREDIT WHICH IS WHAT THIS TRANSACTION CONSISTED OF, A CONSUMER CREDIT TRANSACTION. PLEASE UNDERSTAND THAT IT HAS TOOK ME QUITE SOME TIME TO OVERSTAND YOUR MISCHIEVOUS WAYS AND THE NUMBER OF TIMES I HAVE BEEN VIOLATED WITHOUT SEEKING COMPENSATION OR REPARATIONS. MY TIME IS RUNNING OUT AS I DO NOT HAVE AN INFINITE AMOUNT OF YEARS LEFT BUT I HAVE TO SPEND TIME KNOWING SUCH THINGS. 

I kindly request that you conduct a thorough review of the reported item and provide documentation supporting its accuracy. Failure to do so may result in further action to rectify this matter. 
Thank you for your prompt attention to this dispute. I trust that you will take the necessary steps to address this issue and provide a resolution in a timely manner. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (RI)

XXXX XXXX XXXX XXXX. Stopped me from making payments to an account. Admitted it, reported me late even after making payments. Removed my credit limit showing {$0.00} credit. Told me I need to reapply. I was denied due to serious delinquency from XXXX. Then said it was a glitch and my credit was not removed and was at {$1000.00} limit after the hard inquiry on my credit. 
They will not remove any late marks or the hard inquiry that was not even needed. Multiple emails trying to get assistance they either do not reply or say that they can not do anything about it.
Consumer complaint received 2024-04-30
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. (MD)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX 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
Consumer complaint received 2019-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) Rent Debt {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) MO Child Support {$22000.00}
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In XX/XX/XXXX, I needed to purchase a new vehicle. I pulled my own credit report and found inaccuracies that needed to be corrected before I could apply for vehicle financing. I began the process of disputing unauthorized and unverifiable hard inquiries on my 3 credit bureaus. Some have been successfully resolved with the creditors directly. The remaining inquiries are still reporting inaccurately. Furthermore, these creditors are reporting different dates for the inquiries across the 3 bureaus. I contacted each company multiple times and was not assisted and no proof was provided to validate the inquiries or prove that I authorized my credit to be ran. The following are the inaccurate inquiries with Transunion : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX requesting that these inquires be deleted immediately in accordance with my rights to accurate credit reporting.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX continues to violate FCRA Laws and UCC LAWS, I am currently in litigation with XXXX XXXX related to acct # XXXX XXXX XXXX XXXX I have retained attorney XXXX XXXX XXXX XXXX. 

We are proceeding with lawsuit pertaining to Full Purchase Refund : Recovery of the total purchase amount due to significant issues such as defects, non-delivery, or failure to meet contractual terms. 

Reimbursement of Out-of-Pocket Expenses : Compensation for any additional costs directly incurred as a result of the issue, including fees, costs, and other expenses. 

Damages for XXXX XXXX : Compensation for the emotional distress and mental suffering caused by this situation. 

Misrepresentation : Claims based on false or misleading information provided by the other party, which induced us to make the purchase.

Fraud : Allegations of intentional deception by the other party for financial or personal gain.

Punitive Damages : Additional compensation aimed at punishing the wrongdoer and deterring similar conduct in the future.

Any Additional Claims Uncovered During XXXX : This includes any further claims identified during the pre-trial discovery process, where evidence is exchanged and examined. 

In the interim, XXXX XXXX has received several certified mail rescinding the contract, since XXXX, which they have chosen to ignore, the opt out request, from all reporting agencies, along with the Revocation of Power of Attorney, and have placed my account in repossession status. I did not give any consent.

I would like repossession and the all late payments removed, actually the entire XXXX account removed from my report on all three bureaus and any other consumer reporting agency. as I have returned the vehicle XX/XX/XXXX. 

This is completely unfair and ruining my chance as securing another vehicle while litigation occurs. I have never been late on any auto payment with XXXX until the vehicle shut down on me in mid traffic earlier this year. I do not deserve to be unsafe and penalized. Ive stopped payment and made it clear to XXXX, they offered a repurchase agreement and XXXX in monetary relief, ( see attachment ) which Ive declined, and decided to sue for what is lawfully due to me. Its unlawful to penalize me for a lemon, especially when Ive made several efforts through CFPB and XXXX directly through all their channels. 

Its a shame as a secured creditor I am being used and abused and mentally strained above it all. Please make this right!
Consumer complaint received 2024-05-01
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)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-12-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (AZ)

Edfinancial Services is claiming i owe student loan debt. 
The United States of America government is responsible for all debts under the the House Joint Resolution 192 & 18 USC 8 : Obligation or other security of the United States
Consumer complaint received 2024-06-26
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. (AL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-04-30
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX XXXX 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.
Consumer complaint received 2024-01-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I noticed unauthorized inquiries on my credit report that I would like removed within no later than 4 business days as per U.S code1681c-2 - Block of inquiries resulting from identity theft.
Consumer complaint received 2024-04-30
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 have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TN)

On XX/XX/2021 I had XXXX XXXX and was XXXX XXXX to the XXXX XXXX XXXX. I was in the hospital for a week. I am a 100 % XXXXXXXX XXXX and all of the bills that XXXX and contracted XXXX XXXX in the XXXX XXXX and hospital submitted, were paid. The air ambulance was paid, the ground ambulance, absolutely everything. This debt showed up a year later. The Dr who claims I owe this did not submit the proper billing to the VA and by the time they contacted me it was too late to file for insurance ( from what I understand ). Then this showed up on my credit report. I contacted the debt collection agency, Wakefield and Associates, multiple times requesting proof of debt, information to show they and the original debt claimer submitted to the VA. They have ignored me and I have contacted them four times. I have disputed the debt on the major credit bureau sites. It's still there.
Consumer complaint received 2024-04-30
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. (NJ)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-30
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)

My name is XXXX XXXX. Experian credit bureau is reporting information on my credit report that is false. I have proof that these are false. The 3 major bureaus are all report different information on the listed accounts. I have tried to get Experian to request information and original document form the companies and I have not received anything. They just say " Its verified '' but do not provide lawful proof. I have sent requested letter certified and still get the same response. I want proof that the companies that are reporting information about me to Experian are actual document holders with my signature and that all information reported is accurate and correct. If they can not provide proof then it could be just anyone saying anything they want about me with vindictive motives and that information needs to be removed immediately. 

1st time asking for information was online on XXXX 2nd time requesting information was online on XXXX 3rd time was via certified mail on XXXX ( Results are in with same answers and no proof ). 

The accounts are listed in the letters I have sent and I am providing them here as well. 

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 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  Thank you for your help in this matter!
Consumer complaint received 2024-05-01
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. (TN)

In XX/XX/2024 I recently disputed a series of inaccurate account that had been reported from EXPERIAN. After the reinvestigation of these accounts were completed, as a result they remained inaccurate. Theses existing accounts violate 15 USC 1681e ( b ). The Fair Credit Reporting Act prohibits incomplete and unverifiable information. The FCRA requires any account that remains incomplete and unverifiable to be removed from the consumer report. As is stands, these accounts are ruining the integrity of my consumer report.
Consumer complaint received 2024-05-01
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. (MD)

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 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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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 Account # XXXX, and XXXX XXXX XXXX Account # 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 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.