davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NY)

FIRST THIS COMPANY, ZION DEBT HOLDINGS, PLACED A COLLECTION ON MY CREDIT REPORT ( S ) WITHOUT PRIOR WRITTEN NOTICE. NEXT THEY WERE ASKED TO VALIDATE NOT VERIFY THE DEBT THEY SAID I OWE BY DOING THE FOLLOWING : TO INCLUDE THE FOLLOWING PROOF, WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE COPIES OF ANY PAPERS THAT SHOW AGREE TO PAY WHAT YOU SAY I OWE ; PROVE THAT STATUTE OF LIMITATIONS HAS NOT EXPIRED 3YEARS ; SHOW THAT YOU ARE LICENSED TO COLLECT IN MY STATE NY ; AND PROVIDE YOUR LICENSE NUMBERS. 

TO WHICH THEY RESPONDED BY EMAILING ME, VIA THE EMAIL I PROVIDED TO CFPB ONLY ( WHICH I DID NOT CONSENT TOO, ACCORDING TO NYS LAW 23 NYCRR 1.6-REQUIRES MY CONSENT ) AND MAILING CORRESPONDENCE TO VERIFY THE DEBT. 

THEY FAILED TO VALIDATE THE DATE : -FAILED PROVE WHAT THE MONEY YOU SAY IS OWED. 
-FAILED PROVE HOW YOU CALCULATED WHAT IS OWED -YOU HAVE FAILED PROVE THAT I AGREED TO PAY WHAT YOU SAY IS OWED ( NOT MY SIGNATURE ) -FAILED PROVE THAT THE STATUE OF LIMITATIONS IS NOT EXPIRED ON THIS ALLEGED DEBT ( THE CONTRACT THEY PROVIDED IS EXECUTED IN XXXX. THE SOL ON THIS DEBT IS XXXX ) -FAILED PROVE THAT YOU HAVE LICENSE TO COLLECT IN MY STATE NY ( THEY ARE NOT ) -FAILED PROVIDE YOUR LICENSE NUMBER ( S ) ( DID NOT PROVIDE LICENSED NUMBERS AS REQUIRED. 

THEY ARE REPORTING ERRONEOUS AMOUNT OF DEBT THE CREDIT REPORT. THE CREDIT REPORT SAYS ONE AMOUNT THEIR LETTER STATES A DIFFERENT AMOUNT. THEY ARE MIS-REPRESENTING THEMSELVES UNDER TWO DIFFERENT NAMES AND ADDRESSES TO THE CRAs.
Consumer complaint received 2023-11-29
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. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-01-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention the late payments that are currently reflected on my credit report. After reviewing my credit history, I have identified instances of late payments that I believe are inaccurate and adversely affecting my credit score. 
XXXX XXXX XXXX I understand the importance of maintaining a positive credit history and take responsibility for any oversights that may have occurred in the past. However, I would like to request the removal of the late payments associated with my account, as I believe they do not accurately represent my creditworthiness.

I have attached supporting documentation, including bank statements and payment receipts, to demonstrate that the reported late payments are not reflective of my actual payment history. I have taken steps to rectify any discrepancies and ensure that my future payments are made on time.

I kindly request that you investigate this matter promptly and remove the inaccurate late payments from my credit report. Doing so will greatly contribute to improving my credit score and financial standing. If you require any additional information or documentation, please do not hesitate to contact me
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was informed by a few companies that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct in what they are doing.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.
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. (MA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2023-09-24
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. (NY)

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 information is inaccurate.
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. (TX)

I hope this letter reaches you well. I am writing to express my deep concern and frustration regarding the persistent issues I have encountered in attempting to correct late open accounts associated with my financial profile. 

Over the past several months, I have made numerous attempts to address and rectify the late open accounts on my credit report. Despite my diligent efforts, the issue persists, impacting my XXXX XXXX and causing considerable distress. 

I initially became aware of the late open accounts, and since then, I have taken the following steps to resolve the matter : Despite my persistent efforts, the late open accounts have not been corrected, and the associated negative impact on my credit report continues to affect my financial standing. 

I understand that errors can occur, and I appreciate your commitment to resolving customer concerns. However, the prolonged nature of this issue has prompted me to escalate the matter formally. I kindly request a thorough investigation into the root cause of the problem and the implementation of corrective measures to rectify the late open accounts promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I believe in fair and transparent financial practices, and I trust that Credit Bureaus will take the necessary steps to address and resolve this situation in a timely manner. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$36000.00}.
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. (TX)

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXXXX/XX/2023
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

XX/XX/23 {$330.00} bill paid in full XX/XX/23 {$6.00} interest on bill after the bill was paid in full XX/XX/23 {$6.00} company issued late fee when there wasnt a late fee XX/XX/23 issued {$1.00} interest charge XX/XX/23 {$14.00} company issued another late fee when there still wasnt anything late. 
XX/XX/23 {$1.00} interest XX/XX/23 company realized they screwed up charging interest and reversed transactions and charges against me. 

I am in the process of refinancing my house and never knew about these charges because I paid the bill in full. They never told me about any charges or late fees until my mortgage broker told me about it on my credit report. So my broker told me to call them and have them issue a letter stating there should have never been any late fees or charges against me. They have hit my credit and dropped me by 70 points and I had almost an 800 credit rating. So I explained to company what I needed and all they issue to me is a statement showing I owe {$0.00} rather than giving me a letter saying that I never owed anything at all so my broker can issue another Rapid Credit Check so I can get a better interest rate. This company XXXX my credit and I just want them to issue the correct letter stating I never owed anything. Ive talked to over 10 people with this company and none have been willing or wanting to help. Its been a run around and all I honestly want is my credit repaired instead my broker told me that it is credit card fraud which is what they are doing. I wasnt trying to report them to you guys but I just want help is all.
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (IL)

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXX XXXX XXXX Account # XXXX
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. (IL)

As stated before these inquires are unrecognized and fraudulent reporting according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft as well as The Privacy Act of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I retired from USPS in XX/XX/202. I used my annual and sick time that I accrued before retirement. Now you are attaching a debt to y pension, and credit bureaus in which there was no explanation for debt that you are accusing me of. Please take this off my credit report. Dept of Treasury
Consumer complaint received 2023-03-15
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
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. (CA)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Quicksilver, Account ending in # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-07-26
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. (MD)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-05
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)

Dispute was filed with credit reporting agencies on XX/XX/2023 for incorrect 30-day past due reporting for XXXX XXXX. We use online banking with bill pay service. We also receive ebills through our online banking for this creditor and have it setup so that our online banking automatically pays this account by due date listed on ebill. Historically, creditor deposits bill payments within 0-5 days of payment date and credits our account as of payment due date. Creditor failed to timely credit bill pay payment sent via online banking bill pay dated XX/XX/2023. Creditor did not enter bill pay payment until XX/XX/2023. Due to this, XXXX XXXX then initiated a 30-day past due record on credit report. I have records backing their historical and current payment application records showing that bill payments have been deposited within 0-5 days of date of bill pay and credited to our consumer account by due date.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my XXXX XXXX consumer credit report sent to me via mail.