davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (CT)

Was notified by Experian that my credit rating had dropped significantly. There was a collection, that I was and still am, unaware of and is an absolute mystery to me as to what it is even for : Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3200.00} Highest balance - Terms 1 Months On record until XXXX XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX. 

Historical info Original creditor XXXX XXXX Balance history XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$3200.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I am without prejudice the Agent AND NAME HOLDER XXXX XXXX XXXX  FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THIS IS NOT A DUPLICATE COMPLAINT ANY COMPLAINTS MARKED DUPLICATE SHOWS CONSPIRACY TO DEPRIVE RIGHTS. Today got a credit monitor alert stating account reported as delinquent when account is not delinquent or in default. XXXX XXXX XXXX XXXX IS IN DISHONOR AND HAVE FAILED ITS FIDUCIARY DUTIES, XXXX XXXX XXXX XXXX HAS STOP MY ACCESS TO THE ACCOUNT BUT HAS BEEN USING IT FOR PERSONAL GAIN, XXXX HAS MADE PERSONAL CHARGES TO THE ACCOUNT. We dont have access to our own credit but XXXX  get to use it as it please. Whos protecting the rights and interest of the people from dishonor, corporate corruption and securities fraud?
Consumer complaint received 2023-10-20
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. (CA)

I made a payment arrangement and paid off the accounts. I paid the account and received proof of payment. I presented proof of payment several times, and yet this collection agency ( which is not the one who I had paid ) has come along and placed collection status on my account and refuses to accept proof of payment for may accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NY)

These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-10-19
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 pulled my annual report and realized I had damages on my consumer report misrepresenting me and displaying an abusive attack on my character. I have disputed four late payments with XXXX, Equifax, and XXXX, as shown in my attached dispute letter. Ive sent an online dispute, certified letters, Fax, and phone calls quoting the laws below. They have not provided proof of their completed investigation and continue to ignore the laws below. As of today, my report still displays late payments, destroying my privacy. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

- 15 USC 1681 Section 602 states that I have the right to privacy.

- 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a provides definitions and rules of construction for the Fair Credit Reporting Act, with specific exclusions.

- 15 USC 1666B prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for a specific purpose.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting this letter to UPDATE the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate accounts information as quickly as possible.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

There was multiple unauthorized transactions from three different XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX two of my desputes were resolved in my favor the rest they are still investigating when I believe if one payment from these cash tags are unauthorized then all are the dates of these payments take place between XXXX and amount in over {$3400.00} only {$400.00} was resolved they keep giving me the run around I've talked to multiple cash app reps some of which were very disrespectful they won't provide me a reference number or aloe me to speak to a supervisor and they won't provide me with a provisional credit that they state in there terms and conditions they are mandated to do in the first ten business day while the investigation takes place I told them I'm a single mother with a emergency to pay rent or quit and also need to get my XXXX XXXXXXXX XXXX and they do not want to help me I have given them all the Information they need and even filed a police report and they still won't help I have screen shots of the full chat with the representative being very disrespectful that I can provide to you if needed I'm on the verge of a XXXX XXXX with no one to turn to if you could please help me it would be very appreciated you can reach me by email at XXXX and by phone at XXXX thank you
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I would like Equifax XXXX XXXX to remove an account that they are inaccurately reporting under my credit report. This account is under XXXX. XXXX XXXX and they responded that this account is past the statute of limitations. This account was unable to ever be validated under 15 USC 1692g. The two credit bureaus failed to provide legal documentation that this account actually belonged to me. I am disputing this account as inaccurate and unverifiable. XXXX has already removed it due to its inaccuracy.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute inaccuracies on my credit report pertaining to an auto loan account that I held with XXXX XXXXXXXX XXXX XXXX. After careful review of my credit report, I have identified discrepancies involving duplicate reporting of this account. Below are the details of the disputed account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Current Status : Balance owing - {$19000.00} I am disputing this account on the following grounds : Duplicate Reporting : The account in question is being reported multiple times on my credit report. This duplication of reporting is erroneous and has the potential to adversely impact my creditworthiness. Paid in Full : I want to emphasize that the auto loan associated with this account has been paid in full XX/XX/XXXX. 
Despite fulfilling all financial obligations, it continues to be inaccurately reported as active, leading to a misrepresentation of my credit profile. FCRA Compliance : I am bringing this matter to your attention in accordance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as yours, maintain accurate and fair information on consumers ' credit reports. The duplicate reporting of this account violates these provisions.

Request for Investigation : I hereby request a thorough investigation into this matter as per the FCRA guidelines. I expect your agency to conduct a prompt and fair investigation within the statutory timeframe of 30 days. 
I respectfully request that you take immediate action to rectify this discrepancy. Upon completion of your investigation, I anticipate a written response detailing the outcome and any corrective measures taken. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism. 
Below
Consumer complaint received 2024-05-23
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)

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE NEST AS WELL. THANKS REMOVED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
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. (NJ)

Around XXXX XXXX, 2023, I reached out to my then loan servicer, XXXX XXXX, seeking relief. My XXXX  finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, XXXX XXXX  approved a XXXX  plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called XXXX XXXX  requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


XXXX denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

XXXX informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called XXXX again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called XXXX to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, XXXX sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on XXXX 's application. I was instead offered an untenable loan adjustment after XXXX destroyed my credit.
Consumer complaint received 2024-06-02
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have contacted each bureau and identified my information, yet they have not been willing to remove these accounts like I have asked. I need these fraudulent accounts removed EXPEDITIOUSLY.
Consumer complaint received 2024-05-23
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-01-27
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. (PA)

According to 605B, it is essential to swiftly remove this account. I am genuinely displeased that it has been included in my credit record, hence I kindly plead with you to erase this account, as it is not mine.
Consumer complaint received 2024-07-09
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. (CA)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX Subject : Notice of Disputed Debt and Request for Compliance with Consumer Protection Laws I am writing to formally dispute the accuracy and validity of a debt reported by your agency, XXXX, and to notify you of potential violations of consumer protection laws. The details of the accounts in question are as follows : XXXX : Date Opened XXXX, Date of Last Activity XXXX XXXX : Date Opened XXXX, Date of Last Activity XXXX Equifax : Date of Last Activity XXXX The original creditor is listed as XXXX XXXXXXXX XXXX. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Unverified Accounts : According to the FCRA, credit reporting agencies are required to verify the accuracy of any disputed accounts within 30 days. Despite my previous dispute, XXXX and Equifax have not verified the account. This failure to verify and update the status of the disputed account violates my rights under the FCRA ( 15 U.S.C. 1681i ). 
Fair Debt Collection Practices Act ( FDCPA ) Violations : Validation of Debt : Under the FDCPA ( 15 U.S.C. 1692g ), upon my request, you are required to provide validation of the debt within 30 days. To date, I have not received sufficient validation from XXXX regarding the debt associated with XXXX XXXXXXXX XXXX. 
False or Misleading Representation : The inconsistent reporting dates across different credit bureaus suggest potential inaccuracies and false representation of the debt, which is a violation of the FDCPA ( 15 U.S.C. 1692e ). 
Actions Required : Immediately cease all collection activities until this matter is resolved. 
Provide written verification of the debt, including the name and address of the original creditor, the amount of the debt, and evidence that I am legally obligated to pay. 
Notify XXXX, XXXX, and Equifax to delete the disputed account from my credit reports until proper verification is completed. 
Failure to comply with these demands may result in legal action to enforce my rights under the FCRA and FDCPA. I expect a prompt response to this letter within 30 days, as mandated by law. 

Please be advised that I am documenting all correspondence and retaining all records for my protection. If you have any questions or need additional information, you may contact me in writing at the address provided above. 

Thank you for your immediate attention to this serious matter.
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.