davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter Business Service, Inc. (MA)

I received a debt collection notice for a medical debt which was inappropriately sent to collection. XXXX XXXX mistakenly did not bill my insurance, and I called every month to correct their mistake. I even had a three way conference call with both the insurance company and the billing office, and they all assured me it was taken care of. After this, the debt was sent to collection, I assume because their repeated mistake took them out of the window of time where they were allowed to submit a claim. 

I contacted the debt collection agency and explained this situation and received no response, but further calls requesting I pay. I should not be required to pay for XXXX XXXXXXXX XXXX mistake, after also paying my insurance premiums. It became increasingly clear that they had no intention of fixing their mistake. It is also clear that this debt collection agency is attempting to collect inappropriately, after receiving this information.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-05-27
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. (MI)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # [ XXXX ] I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a XXXX debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that

may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully inve stig late this att er nd receive inform related ereto. Be advised, if you fail to comply with this letter, I may tu
rn the matter over to a consumer attorney.
Consumer complaint received 2023-12-04
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. (GA)

I have two unauthorized credit pulls for a VA loan on XX/XX/XXXX and XX/XX/XXXX. I was looking at homes online and ended up getting a hard credit pull for a pre approval when I was trying to ask questions about a home.
Consumer complaint received 2024-05-27
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)

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

XXXXXXXX XXXX  : I have to contest the accuracy of the data associated with my profile in order to maintain the strict guidelines for data integrity and accuracy. To ensure that it is accurate, comprehensive, and up to date, I require a thorough review. Considering how important these data are, any oversight is unacceptable. In the event of any deviation, it becomes critical to delete the false account right away. 
XXXX : The credit reporting guidelines set forth are legally binding requirements, not just suggestions. Deviations jeopardize your credibility at its core, no matter how small. I demand complete adherence to these guidelines. The discrepancies in my report should be addressed and cancelled right now. This is absolutely necessary, not just convenient. 

Its been passed 30 days since Ive requested for proof that these items was accurate and theyve failed t send me a copy. Any mistake on credit bureaus part, no matter how small, not only represents me poorly but also might constitute a legal infraction. It is therefore my strong recommendation that you promptly resolve these discrepancies in order to fulfill both of your legal obligations.
Consumer complaint received 2024-05-28
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)

This is my 4th endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00}
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

FTC Report Number : XXXX I am writing to inform you that TRANSUNION has committed several violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o, which are the civil liability and administrative enforcement provisions of the Fair Credit Reporting Act ( FCRA ), respectively. The FCRA imposes requirements on consumer reporting agencies ( CRAs ) to ensure the accuracy and fairness of credit reports. TRANSUNION has violated the following provisions of the FCRA : XXXX.Failing to follow reasonable procedures to ensure the accuracy of a consumer 's credit report - TRANSUNION failed to take reasonable steps to ensure the accuracy of my credit report. Specifically, reporting inaccurate fraudulent accounts with-out verifying the information from, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX 2.Failing to conduct a reasonable investigation of a consumer dispute regarding the accuracy of their consumer report - Disputed the inaccurate information with TRANSUNION, but TRANSUNION failed to conduct a reasonable investigation of the dispute. 
XXXXAdditionally, I ( REQUESTED PROOF ) please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

TRANSUNION FAILED TO COMPLY WITH THE LAW MY LEGAL RIGHTS HAVE BEEN VIOLATED. THEY HAVE BROKEN THE LAW AN THERE SHOULD BE FINANICAL PAYMENT CASHERS CHECK MAILED TO MY DELIVERABLE ADDRESS
Consumer complaint received 2024-05-27
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. (OR)

I recently reviewed my credit report and noticed XXXX XXXX XXXX with the original creditor as XXXX. I have never had XXXX  service in my name, or even signed up for any service with them. 

I also noticed a revolving credit loan from XXXX XXXX XXXX XXXX XXXX have never heard of this company, and the account does not belong to me.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (CA)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 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 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 has violated my rights. 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 can not furnish an account without my written instruction 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 2024-05-27
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. (AZ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXXXXXX XXXX XXXX XXXXXXXX account numberXXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2024-05-27
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items on my report that your agency didn't make sure it was reporting 100 % accurate. 


XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, XXXX, and Experian. First Flaw is the account status which differs from the Experian and XXXX report ( Paid ) from the XXXX report ( closed ). Second Flaw is the date account opened which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Third Flaw is the Last day reported on the account which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from all three credit reporting agencies in Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) report from the XXXX report ( XX/XX/XXXX ). XXXX XXXX reported was the date of last payment reported which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 

These inaccuracies have done a toll on my mental health and m mental well being and I demand they be removed off my credit report seeing as the account is now closed and the information is still inaccurate.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the inaccurate reporting of late payment on my credit report, specifically concerning the account referenced with Name : XXXX XXXX XXXX  # XXXX Date Opened XX/XX/XXXX, Date of Last Activity XX/XX/XXXX, Credit Card upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned asepuns are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this acepunt on time, in ascordance with the agreed-upon terms. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late based on the timely payments made. it is imperative that my credit report accurately represents my financial responsibility and commitment to mesting payment obligations. I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. if, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as Paid AS Agreed Never Late. ' Per the FCRA, 1 request that you conduct a timely investigation and provide a written response within 30 days frow the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation.
Consumer complaint received 2024-05-27
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 sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-27
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. (CA)

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. 
I have contacted the banks associated with these erroneous accounts, and they have acknowledged the error. They have agreed to remove these accounts from their records to avoid legal action. I have also submitted the required FTC report to the Federal Trade Commission and have enclosed a copy for your reference. 

XXXX XXXX and XXXX XXXX XXXX.