davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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. (GA)

On XX/XX/XXXX, I went to the bankruptcy court and asked do the report bankruptcies to the credit bureaus and they gave me a signed letter stating They do not report to any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. 

Ive written the credit bureau plenty of time about the inaccuracy in XXXX, XXXX, XXXX, XXXX, Ive even showed that XXXX deleted the bankruptcy on XX/XX/XXXX, which Experian and XXXX claims how they validated the bankruptcy info They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2024-07-08
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. (RI)

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.

IAccording to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 


Accounts : Account Info Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Info Account Name XXXX Account Number XXXX Account Info Account Name XXXX XXXX Account Number XXXX
Consumer complaint received 2024-06-06
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A. (MD)

I owed a debt with a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

I called in XXXX and was told that the debt was charged off. I thought since it was charged off that I no longer had to address it. The time that I owed the debt, I lost my job and was going through personal crises. Fast forward, I was notified on XX/XX/XXXX for the first time that I was getting wages garnished. I was never notified before. This has caused some issues at my workplace and will affect my opportunity for advancement. Moreover, I can have my job placed in peril based on the Professional Conduct Code. The Law Firm stated on the paperwork that I called them in XXXX of XXXX. That was during the time that mail was rerouted from my home address and sent to my exes. I can prove this, for these addresses where I never lived are listed on my credit report. My ex has in the past rerouted mail of mine to his post office box. I therefore could not have called the Klima office from the phone I currently have and called them again in XXXX of last year as they stated on the phone. I could not have, because I would not have cause to reach out to them until now when I received this letter by mail. I am also certain that I did not contact them in XXXX, with the phone I currently have, because I did not have the phone or phone number then, that I am using now. This Law Firm, Klima, Peters and Daly located at XXXX XXXX XXXX XXXX XXXX in XXXX, Maryland has a plethora of complaints against them related to similar practices of blatant dishonesty and unethical practices as they inflict harm onto consumers.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Quality Loan Service Corporation (CA)

My wife is the sole owner of her property. I am not on the deed to the home. XXXX bank is the mortgage holder. XXXX XXXX ( XXXX, Operations XXXX, Loss Claims ) from XXXX bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and XXXX does not care. My name should not be on the " Notice of Default ''.
Consumer complaint received 2024-07-08
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. (OH)

I have submitted the required documents to XXXX XXXX on XXXX occasions and they have yet to correct the matter. As I have no account with you or any contractual agreement, I demand the following information : XXXX ) Provide evidence of your authorization under 15 USC 1692 ( E ), 15 USC 1692 ( F ), and USC 1692 ( G ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Provide evidence of your authorization to do business or operate in the state. 
XXXX ) Provide proof of the alleged debt, specifically the alleged contract or other instrument bearing my wet signature. 

You have 10 days to respond to this notice. Failure to do so will be deemed as a waiver of any claims in this matter and will be considered to have permanently closed this issue. 

Your continued silence is unacceptable. Provide proof or correct the record to remove the invalid debt from my credit files. Failure to respond within 10 days will prompt a small claims action against your company, seeking {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violation of the Fair Credit Reporting Act. 

The FTC, XXXX, AG, and CFPB will be notified regarding this alleged debt. Cease all indirect communication of this debt immediately. 

Thank you for your attention to this matter. All stated facts are true to the best of my knowledge and made in good faith.
Consumer complaint received 2024-05-04
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. (MI)

Pursuant to the CFPB, the definition of a consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : XXXX credit or insurance to be used primarily for personal, family, or household purposes. 

Pursuant to the CFPB, the term consumer report does not include any of the following : XXXX. 
any report containing information solely about transactions or experiences between the consumer and the person making the report. 

EXPERIAN, XXXX & XXXX along with their subsidaires have blatantly disregarded this matter and continue to report derogatory information on my credit report such as LATE PAYMENTS and CHARGED-OFF accounts -that are transactions solely between myself the consumer and the issuer of the credit. This direct violation of the FCRA, has caused my credit score to tank/decrease more than 100 points, rendering me ineligible to apply for a mortgage and other credit related products. This matter has seriously impacted my life in a negative way, and hope to resolve this matter without seeking further legal assistance.
Consumer complaint received 2024-05-05
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)

The list of accounts below has violated my federally protected consumer rights to privacy under 15 use 1681. 
account number XXXX company XXXX account number XXXX XXXX XXXX  account number XXXX account number XXXX XXXXXXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 use 1681 eb.

And according to 15 USC 1681 5 they are suppose to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation and promptly notify the finisher of the information that the information has been modified or delete from the file of the consumer and according to 15 use 1681s 2 they are suppose to not finish any information relating to a consumer tonally reporting agency if the person knows or has reasonable cause to believe that the information 's inaccurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST 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 accounts 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 ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Thank you for addressing some of the inaccuracies in my credit file. Nonetheless, I believe the Fair Credit Reporting Act 's standards have not been fully adhered to. The account in question still needs further action to ensure its utmost accuracy. I request another investigation into the following account : OKNSINC Date Opened : XX/XX/year> XXXX Balance Owed : {$2100.00}. If your investigation can not verify the disputed information, please update it immediately. Additionally, please send a detailed description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Consumer complaint received 2024-05-08
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. (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 2024-06-23
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. (FL)

I am writing to dispute the following items on my credit report. These items are inaccurate, and I am requesting that they be investigated and corrected or removed as soon as possible. Additionally, I request the removal of all closed accounts that are more than XXXX XXXX XXXX. 

Disputed Items : THERE ARE MULTIPLE ACCOUNTS MARKED AS CHARGE OF AND NEED TO BE DELETED AS THEY ARE MORE THAN XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX : {$560.00} Status : XXXX late payment ( XXXX  days past due ) Reason for Dispute : I have made all payments on time. This late payment is inaccurate and should be removed from my report. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$490.00} Status : XXXX late payment ( XXXX  days past due ) Reason for Dispute : This late payment is incorrect as I have paid on time. Please update the status to reflect on-time payments. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$8300.00} Status : {$490.00} past due as of XX/XX/XXXX Reason for Dispute : I have made consistent payments and the past due status is incorrect. Please update this to reflect my timely payments. 
Removal of Closed Accounts XXXX XXXX XXXX XXXX : I request the removal of all closed accounts that are more than XXXX XXXX XXXX from my credit report. These accounts include but are not limited to any closed accounts prior to XXXX. 

Attached are copies of my credit report, along with documentation supporting my claims. Please conduct a thorough investigation and correct these errors promptly. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-05
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. (AR)

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-05-13
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. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-05
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. (FL)

I am writing to request that you reverse or correct the above aforementioned late payments as okay, paid in fullon my credit report. I believe that this late payment was reported in error and should not have been included in my credit report, as payments are not supposed to be disclosed.
Consumer complaint received 2024-07-07
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. (NC)

Good afternoon! Below I am writing the statement XXXX XXXX XXXX XXXX received a call from XXXX XXXX XXXX XXXX XXXX XXXX. During the phone call I was told that my account had been logged into a XXXX XXXX XXXX XXXX  and had been logged in for 37 minutes. I informed the representative who I later found out was an impersonator that I do not live in XXXX and have not accessedmy account via XXXXXXXX XXXX. He then said he would remove said person from the account and sent a push notification from the XXXX XXXX mobile app saying I needed to confirm the removal request. I did and then we ended the call. Later that night around XXXX I attempted to access my account via mobile app and was unableto log in. The next morning XX/XX/2024 I went into the branch and explained the situation I was told that a loan was taken out in my name through my XXXXXXXX XXXX  account for the amount of {$4500.00} and moved it to my checking account. Along with that whom ever was in the account moved money from my husband XXXX XXXX XXXX account {$1000.00} to my account, they continued to move {$100.00} from our credit card and {$750.00} all to my checking account. All of that money was then transferred to my XXXX and transferred to another persons XXXX I explained that I did not do any of this I then made a fraud claim in branch that same day. A few days later we were given a Provisionary credit for the amount of {$6400.00}. I called XXXX XXXX and told them that the loan was still on my account they informed me that they were still working on it I called again two days later and was given the same response. About two weeks later the credit was taken back in full and left both accounts mine being at XXXX XXXXXXXX and my husband at- {$1300.00}. We went in branch and explained the situation again and were told to file another claim. We filed again. I started receiving calls saying I was now responsible for the entire loan amount and have 90 days to get the account back in good standing or the account would be closed and the amount in the negatives would be sent to collections and hit my credit. I also received correspondence in the mail saying that both investigations showed no fraud. During this time I called the credit bureaus and froze my credit and also reported identity theft but not before the loan that was taken in my name hand hit my credit. Because of this we are now going through a financial hardship and has caused a strain on all bills, child care, and essentials for living having to use out credit cards for daily expenses and bills.