davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After reviewing my credit report i have noticed a lot of inaccuracies on my credit report that are harmful to me. i would assist with removing these items, so that i can secure a home loan for me and my family. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law. 

XXXX XXXX : Account Number XXXX
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: Experian Information Solutions Inc. (GA)

Please consider this as refiling of my complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the letters I sent to them with the identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter dated XX/XX/2023. As I checked my credit report these unauthorized hard inquiries and fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2019-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation (IN)

I have been in contact with Premiere Credit of North America , LLC for payment of my back taxes owed to the Indiana Department of revenue. These people are extremely hostile. When told that I have been out of work for several months on a XXXX XXXX and that I could be out for a while longer they replied " So how are you going to make these payments that you are trying to arrange? '' Then went on to tell me that if the payment was not kept or if the card that I felt I was FORCED into giving them would not accept the payment that they would levy my wages and lock down my bank account. Both of which are MY property and nothing that I think a CREDIT AGENCY should EVER be able to have access to. These people are the most disrespectful type of people I have ever talked to in my life. They LIE to get you to give them a card just so they are able to take some sort of action. All of this over {$1000.00} in tax debt to the Indiana govt. I've been constantly beaten back every time I have tried to work with them on any sort of payments with " Well if you wanted to make payments then you would have already worked that out with the state, so we need the full amount now or we will put your accounts on hold. ''
Consumer complaint received 2024-07-01
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. (MS)

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.

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 informationisinaccurate.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (FL)

some time on or about XXXX XXXX company by the name America express # account XXXX company gold card that XXXX a XXXX per year membership fee that was paid in XXXX on that statement for XX/XX/XXXX. the company have three account with American express never late or never missed payment. last year American express request a copy of the financial statement which they already request them back in XX/XX/XXXX. and the financial record was submit to America express.  America express after review those financial America express re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for America express stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask American express why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX. with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of XXXX XXXX XXXX XXXX , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work 82 hour a week just pay my bill.
Consumer complaint received 2019-06-17
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. (PA)

All inquired on Transunion are incorrect I have called customer service and they refuse to help. After there system failure all inquiries are incorrect and not authorized by me
Consumer complaint received 2024-05-20
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. (MO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I called Experian today to update my personal information. I asked the representative to remove an address that is not mine and does not belong to me. He responded and told me that he could not remove that address even though it is not mine nor does it belong to me. I told him that the address was not valid, not deliverable by US Post Office and therefore leaves me susceptible to identity theft. It is also not reportable per the FCRA, since it is inaccurate. He then informed me that I would need to call every creditor on my credit report and update my address in order to have it removed. He was advised I would be reaching out to your agency due to my right under FCRA being violated and he told me I needed to read the FCRA again. I have the whole conversation recorded.
Consumer complaint received 2024-05-18
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. (NY)

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  XXXX XXXX Accordance with The Fair credit reporting Act Public law XXXX Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. Please have this account removed completely from my report : XXXX XXXX XXXX IN XXXX
Consumer complaint received 2024-05-18
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 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 30 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, Experian, and XXXX data breach.
Consumer complaint received 2024-10-25
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. (GA)

IM A VICTIM OF IDENTITY THEFT AND REPORTING THE FRAUD DONE TO MY PERSONAL INFORMATION TO CFPB, XXXX, XXXX, EXPERIAN, AND FTC. I HAVE ATTACHED FTC REPORT SHOWING ALL THE FRAUD DONE IN MY NAME, *****PLEASE READ FTC REPORT******
Consumer complaint received 2024-10-25
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. (MD)

I have disputed an account listed on my credit reports for an alledged collection/charge off. The information across all 3 of my credit reports is mismatched to included different dates of first delinquency, some listing late payments on alledged collection account of 120 days, some listing a past due balance as well as a term limit. The information on all 3 reports are inconsistent. I also requested the Meathod if of investigation and any documents used to verify. All 3 just answered with information verified. How can this be when all are reporting different information and dates.
Consumer complaint received 2024-10-25
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. (MD)

I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until XXXX along with the rest of the student loan borrowers. As you can see on the XXXX statement included, all loans were current through XX/XX/2023. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by XXXX that NO PAYMENTS ARE DUE UNTIL XX/XX/2023. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score.

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the XXXX statement showing no payments due until XX/XX/2023. 

I first contacted XXXX on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to XXXX for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at XXXX XXXX
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern regarding the negative impact that my current credit report is having on my financial well-being. As a responsible consumer, I understand the importance of maintaining good credit, but unfortunately, the current state of my credit report is severely affecting my ability to obtain loan. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

Innovis and XXXX are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX any other information is incorrect. You have an obligation to report account information.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (NJ)

Hello, I am writing this to dispute this inquiry that is fraudulent. This has caused me so much stress recently as I am getting denied from a home mortgage and my score crashed. I have already contacted Experian to freeze my file and dispute these. I also filed an FTC report for fraud. This inquiry is fraud and needs to be immediately removed. I have attempted to contact this company but I can't reach anybody! Please get this removed as soon as possible or I will seek legal action. Again, this were not made or authorized by me. Thank you. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/2024
Consumer complaint received 2024-10-25
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 Account # XXXX bank 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.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2024-05-19
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)

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate. and accounts that I do not recognize that I have never had, here I am sending you a copy of the FTC report that I made. 

EXPERIAN : ACCOUNT NAME : XXXX ACCOUNT XXXX EXPERIAN : XXXX NAME : XXXX ( Original Creditor : COLLECTION ) ACCOUNT NUMBER : XXXX EXPERIAN : ACCOUNT NAME : XXXX  XXXX Original Creditor : XXXX  ) ACCOUNT NUMBER : XXXX XXXX : ACCOUNT NAME : XXXX  ( Original Creditor : COLLECTION ) ACCOUN NUMBER:XXXX XXXX : ACCOUNT NAME : XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX : ACCOUNT NAME : XXXX ACCOUN NUMBER : XXXX XXXX : ACCOUNT XXXX : XXXX  ( Original Creditor : XXXX  ) ACCOUN NUMBER XXXX XXXX XXXX : ACCOUNT NAME : ( Original Creditor : XXXX XXXX XXXX ) ACCOUN NUMBER XXXX XXXX