davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX bankruptcy XXXX Account # 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 instruc
tions. 15 U.S.C.
Consumer complaint received 2024-04-10
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. (IL)

Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2024-04-10
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. (TX)

On XX/XX/2024 experian, XXXX, and XXXX were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting on my credit report.
Consumer complaint received 2024-05-22
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. (VA)

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 ( Original Creditor : 01 XXXX  ) Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. ( Original Creditor : XXXX ) Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 has violated my rights.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-01-15
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2024-04-10
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. (FL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-11-21
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. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$70000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (LA)

AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2024-08-02
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. (GA)

I am XXXX XXXX, and Im 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, XXXX, and Equifax.
Consumer complaint received 2024-04-10
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (OH)

This company chose to charge off this account after my becoming ill with XXXX XXXX, having XXXX for an injury that included losing my job. I tried several times to ask for leanasee when account was active. They sold the vehicle never sent me notification of how much it was sold for at auction.

They then reported wrong amount owed at the highest price to destroy my credit. Instead of reporting the actual amount that I paid towards the vehicle while in my possession. Now 3 yrs. Later they are harassing me and my credit by continuing to report a debt that I no longer owe to the 3 credit agencies at inconsistent times and dates of reporting actions and continue including the inaccurate information of them agreeing to taking the loss by charging off this account. Santander Consumer USA continues to damage your life and credit. This is unfair business practice and needs to be stopped.

Why should I need to file a bankruptcy on XXXX. That's purposely not correct and deceiving. 
Please do not allow this to company to continue its harassment on me the Consumer.
Consumer complaint received 2024-08-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Statebridge Company (OH)

Statebridge is violating the law by trying to collect on a debt that they do not have the legal right to collect on. One of my former mortgage servicing companies accelerated my loan more than XXXX years ago when we stopped paying in XXXX. The statute of limitations in Ohio is XXXX years, or in XXXX. Statebridge does not have the legal right to collect on this debt, and they are violating federal law by attempting to do so. 

Even if Statebridge did not know that a prior mortgage company accelerated my loan, they are still violating federal law by attempting to collect on the installment payments charged to me between XX/XX/XXXX, and XX/XX/XXXX. Ohio has an XXXX year statute of limitations. Those payments were due more than XXXX years ago, but Statebridge is still trying to collect on those allegedly missed payments. They are violating federal law. 

Statebridge is also charging me interest and fees that illegal under Ohio law. Ohio Revised Code 1321.51 1321.60. 

Statebridge is also sending me inaccurate billing statements that demonstrate it does not know what the true amount owed on this loan account is, even if they had the right to collect on the debt. In a XX/XX/XXXX, mortgage statement, Statebridge said that I owed {$20000.00}. Then, in a letter Statebridge sent me on XX/XX/XXXX, they said that I owed {$25000.00}. Later, Statebridge sent me a letter on XX/XX/XXXX, that said that I owed {$20000.00}. Finally, more recently, in a mortgage statement dated XX/XX/XXXX, Statebridge said that I owe {$28000.00}. Statebridge does not even know how much money they think I owe them. It is illegal to blindly allege that I owe certain amounts of money.
Consumer complaint received 2024-01-15
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. (CA)

I am XXXX XXXX, and Im 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, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (FL)

I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I have recently reviewed my credit report and identified the following inquiries as fraudulent : XXXX XXXX via dealer - XX/XX/year>XXXX XXXX XXXX - XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XX/XX/year> & XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX of XXXX - XX/XX/year> Accurate Financial Ser - XX/XX/year>, XX/XX/year>, XX/XX/year> & XXXX I did not authorize these inquiries, nor did I have any knowledge of these entities performing a credit check. Therefore, I am requesting that these fraudulent inquiries be removed from my credit report immediately. 
Attached to this letter are copies of my credit report highlighting the disputed inquiries, as well as a copy of my government-issued ID for verification purposes. I am also including a signed FTC Identity Theft Report and a police report documenting the fraudulent activity. 
Please investigate these unauthorized inquiries and remove them from my credit report. 
Additionally, I would appreciate confirmation in writing that these inquiries have been deleted. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I recently visited my doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The errors are as follows, US DEPT OF EDU account # XXXX Payment status COLLECTION for XXXX. The payment status is incorrect. This account was under the CARES ACT Pandemic Payment Forbearance during these dates and payment was refused.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023, I received 3 emails saying I opened up an account with Bank Of America to apply for a credit card and I do not bank with that bank. When looking at the other emails it says it got denied due to having the wrong information. I called Bank Of America and gave them my SSN and they see that the account was applied for and did tell me that whoever tried making this account will not be receiving any money from my bank account.
Consumer complaint received 2024-08-02
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 appreciate your time to remove some of the items in my file that resulted from alleged XXXX XXXX but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an XXXX XXXX REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2024-01-15
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. (NJ)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (PR)

I bought a crystal table from an exhibitor at Sam 's store in XXXX, XXXX XXXX, through Sam 's Credit Card. When XXXX invoice arrived, Iwent to the Store and paid cash full amount. At this moment, 10 years later, the Store still charges me.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The reported inaccuracies on my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers, inquiries, debt transactions, and potential negative accounts. 

Additionally, there are outdated employment details that inaccurately portray job instability, potentially compromising the confidentiality and privacy of my information based on unauthorized consent. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulation governing accurate, timely, and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

Credit Bureau could potentially deviate from Consumer Reporting Agency ( CPA ) standards by failing to adhere to accurate and fair and fair reporting practices, violating consumers rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency, when acting as a Credit bureau business.
Consumer complaint received 2024-01-15
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. (CA)

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 2024-01-15
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. (FL)

Do not recognize these inquires and i requested the bureau to remove from my credit and these item where not removed. I am providing an identity them report that i am attaching.Please redone all these inaccurate inquired from my credit repoer.
Consumer complaint received 2024-01-15
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX