davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (TX)

I am writing to express my deep disappointment regarding the repeated inaccuracies on my credit report, which I have brought to your attention multiple times. Despite my previous disputes under the Fair Credit Reporting Act ( FCRA ), the errors persist, causing undue stress and financial harm. 

I have meticulously documented the discrepancies in my credit report, including [ specific inaccuracies, such as incorrect account information, inaccurate payment history, etc. ]. These errors not only tarnish my creditworthiness but also undermine my ability to access fair financial opportunities. 

As per the FCRA regulations, credit reporting agencies are mandated to ensure the accuracy of consumer credit reports. However, the lack of resolution to my previous disputes indicates a failure to uphold this obligation, leaving me frustrated and disillusioned with the credit reporting process. 

I urge you to promptly investigate and rectify the inaccuracies on my credit report in accordance with the FCRA provisions. I expect a thorough review of the disputed items and timely updates to reflect the accurate information. 

Furthermore, I request that you provide me with written documentation of the actions taken to address my dispute, including any updates or corrections made to my credit report. Transparency and accountability are essential to restoring my confidence in the credit reporting system. 

Failure to resolve this matter satisfactorily will compel me to explore further legal avenues to protect my rights under the FCRA. I trust that you will take swift and decisive action to correct the inaccuracies and prevent similar issues from recurring in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.
Consumer complaint received 2024-09-03
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Balance : {$300.00} XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-07-12
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-04-29
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. (CA)

I am writing to bring to your attention an issue regarding unauthorized inquiries on my consumer report. Upon reviewing my report, I discovered several inquiries that I did not authorize. Despite my efforts to resolve this matter directly with the company, I have not received a satisfactory response. 

As per my understanding, credit reporting agencies are required to provide accurate information. However, the presence of these unauthorized inquiries on my report suggests otherwise. 

I respectfully request that the Consumer Financial Protection Bureau conduct an investigation into this matter. If, upon completion of your investigation, there is no verifiable evidence that I initiated these inquiries, I request that you take the necessary steps to remove them from my consumer report. 

Thank you for your attention to this important matter. I appreciate your assistance in resolving this issue.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, 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. (FL)

I have attached an FTC report with accounts and inquiries I did not authorize, these are affecting me from buying a home and need to be deleted also please update my personal information
Consumer complaint received 2024-04-29
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. (LA)

ON XX/XX/year> I RECIEVE MY CREDIT REPORT AND SAW ACCOUNTS THAT DID NOT BELONG TO ME. I CONTACTED THE BUREAUS AND EXPERIAN SAID THAT THEY VALIDATED THAT THE ACCOUNTS BELONG TO ME .ACCORDING TO THE LAW THEY SUPPOSED TO SEND ME THE ORIGINAL DOCUMENTS THAT OPEN UP THOSE ACCOUNTS AND THEY DIDNT BECAUSE I DIDNT OPEN THEM UP AND IAM SUFFERING FROM SOMEONE ELSE HARM.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (TN)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 Credit bureau 's will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account name : XXXX Account number : XXXX
Consumer complaint received 2024-04-29
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. (LA)

XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNER ( 15 USC 1681 ) governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ( 15 USC 1681 ( SECTION 604 SECTION 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under ( 15 USCS 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I REQUEST THAT THIS ACCOUNT UPDATE AS ( PAID/NEVER LATE )
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (KY)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-29
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 was never late on this account. XXXX XXXX  never presented any record that I have ever been late paying this account. The fcra states a company need to send a 21 day notice of a late payment before placing a late payment on a credit report. XXXX XXXX  XXXX  please show proof that I received such notice in the mail. These late payments are hurting my credit my next step will be ligation, of which I'm pertaining to arbitration. It shall be in your be interest to update each late payment as ok and or paid as agreed. Arbitration fee will cost you close to {$2000.00} as well as daily fees. Please update these payments as paid on time.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them.

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
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Kikoff Inc. (PA)

I do not recognize this company.This company is reporting on Two credit bureaus instead of all three which is damaging my credit score. I requested that the item be deleted from my account because the company never produced original contract.
Consumer complaint received 2024-04-29
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. (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. 

Account Name : DEPTEDXXXX Account XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (CA)

About XXXX months ago, I began the looking over the processes for my end of lease options with Ally Financial. This was immediately made complicated by the fact that Ally was very difficult to work with. A company who had intended to buyout the lease told me that they were getting no response and that their office was actually no longer going to work with Ally Financial. Ally does not send information that is requested and seemingly intentionally slow walks every step of the process. 

On top of this despite having an agreed upon residual value of the vehicle Ally just simply adds {$2000.00} to the amount for anyone else buying the vehicle which is seemingly ridiculous. Particularly given that my vehicle has a mileage overage, it is actually technically worth less not more than our agreed upon residual value.

I did a lease extension of 1 month in order to give myself 30 more days to get this all figured out.

Because of all of the difficulties I decided I would get a loan and buyout the lease myself. I requested
a buyout letter. It was sent out so much later than it was requested that by the time I received it the offer had expired.

So I called the company again and requested that they fax the form to me so that I could receive it in a more timely manner. They tell me their policy is to send a fax within 24 to 48 hours but that the buyout amount is only good for the current day. Think about the level of absurdity with that. What good is it to send me a letter that is good until XX/XX/year> that I won't receive until XX/XX/year>? 

The supervisor told me it is my fault for not having this figured out prior to my lease expiring. Prior to my lease expiring I attempted numerous options to either buy or sell the car. The games they seem to be playing are what are causing the issue, not anything from my side. I've been making a good faith effort to get this resolved and have now made dozens of calls and am getting absolutely nowhere.

To make matters worse, after multiple calls and requests to at least get this letter faxed, they have not even done this. I have received zero faxes from this company. They refuse to simply email this letter, and I actually paid for a fax program just in order to get this fax. And Ally has still sent nothing.

This is clearly an attempt to force me to get a loan with Ally Financial as they are not allowing me to receive the information in a timely manner that would allow me to source the loan elsewhere. This is most certainly anti-competitive behavior and seems as though it should not be legal and is certainly unethical to behave in this way. 

I have previously ended a few leases and have never experienced anything like this.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX Account # : 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 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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

ALSO, The list of unauthorized inquiries below, XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Ive noticed on my report. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.