davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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. (MD)

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 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

DEAR, EQUIFAX WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME ) ... A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On the XX/XX/XXXX I logged in to access my virtual card on my regular capital one card, no issues. Then today, I try to do the same, and am being told they can not verify my phone number. The phone number in question appears to be correct, I can see the last XXXX digits. I call in to ask what is going on. I am told by the XXXX agent, that my phone number was updated on XX/XX/XXXX. I asked who updated my phone number. It wasnt me. I changed my number around XX/XX/XXXX, I called/chatted/updated my phone number with all companies I do business with, this included Capital One. Capital one is claiming they have no record of that contact and my number was updated on XX/XX/XXXX, but an unknown party or system generated. I wasnt told how it was updated even though I asked multiple times how it was updated or who updated it. XXXX, the XXXX  I talked to gave conflitcing information to what the XXXX  representative gave. Neither XXXX fixed my issue of not being able to use the Virtual card on my account despite it working a few days ago. No one told me who initiated a phone number update. No one told me why my number wasnt updated months ago when I actually didnt attempt to have my number updated. XXXX also told me that my previous number that I had for many of years was only updated last year which is also false. I never updated my previous number years after having the same number, that also makes no sense. My number was verified to log into the Capital One app, but isnt good enough to verify to get my virtual card. I am a bit concerned about their record keeping. I am concerned about the safety of my account. I am concerned for the conflicting infomation that a XXXX provides against the her co-worker. I am concerned about what keeps updating my info when its clearly not me. I want answers. Its now saying my account is at the maxium amount for adding numbers. I havent added any numbers.
Consumer complaint received 2023-09-18
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: LEXISNEXIS (WI)

1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXXXXXX XXXX XXXXXXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2022-08-11
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. (KY)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-06-04
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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.
Consumer complaint received 2023-12-01
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (CA)

I received a XXXX XXXX card from a previous employer. The XXXX card was accessed via XXXX The card had an expiration date of XX/XX/XXXX. 

Today, XX/XX/XXXX at approximately XXXX PT, I attempted to use the XXXX card to purchase an XXXX XXXX order. I received an error message that it was an invalid card. 

I logged onto the website XXXX XXXX XXXX XXXX XXXX and signed in and verified that there was still a balance on the card XXXX XXXX XXXX. 

I attempted to get help via the " XXXX XXXX '' option on the website but also called the company at the number provided. While I was on hold with the XXXX XXXX, I discovered via the automated phone service that my card " had expired ''. I was unable to get on the phone with a live person. This was around XX/XX/XXXX at XXXX PT. 

When I finally got through to the XXXX XXXX on the website, I explained to the representative that I was getting an error while trying to use the card and that it was still XX/XX/XXXX so the card had not expired yet. The representative told me that the card was expired and that I could request a replacement. However the fee to request a replacement card was XXXX and I did not want to pay that fee, as the card had not officially expired yet! 

The representative told me that the card had indeed expired because the card followed XXXX time. I asked the representative to direct me to a place on the website that specified that the card expired on XXXX time. The agent responded that he was unable to provide that, as that information was not stated on the website. He told me to check my card holder agreement. 

I told him that I already had checked my card holder agreement and that nowhere was it stated that the card followed XXXX time. I copy and pasted the only verbiage on expiration dates, which states : " Expiration- The Card expires on the date printed on the front of it. Because funds on the Card expire when the Card expires, you will not be able to use the XXXX after the expiration date and a replacement Card will not be available. '' I pointed out that the card holder agreement only stated that the card expires on the date printed on the front of it ( which is XX/XX/XXXX in this case ) and since it was still XX/XX/XXXX where I am located ( XXXX time ), the card was not expired. 

The agent was adamant that he could do nothing and that my only recourse was to request a replacement for a XXXX fee. I stated that the fee was not warranted because the card is not considered expired under the terms of the card holder agreement. The agent disconnected the chat after that.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

You are reporting incorrect information for the account XXXX XXXX XXXX. Experian is reporting that I was late on this account 19 times, while XXXX is reporting 8 late payments. XXXX reports that this account was paid off. How is this accurate reporting. XXXX XXXX informed me that they submitted a request to update the tradeline on XXXX XXXX so why is this incorrect information still reporting? This is a violation of the FCRA and if this account is not removed due to inaccurate reporting, I will be taking legal action against your company. Please see the attached response letter from XXXX XXXX and the credit report showing the inaccurate reporting. The data being furnished on my credit report is not credible and therefore has to be removed immediately.
Consumer complaint received 2024-08-15
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-05-21
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. (FL)

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( ACCOUNT LAST XXXX DIGITS : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.
Consumer complaint received 2024-05-21
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.
Consumer complaint received 2023-11-07
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-11-07
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-26
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. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX. XX/XX/2023.