davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (UT)

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 {$150.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
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. (NC)

What occurred within my credit file is somehow someone reported the balance of my XXXX XXXX credit card prematurely outside its noraml 30 day reporting cycle. I keep track of when my credit cards are reported each month. XXXX XXXX does not report my credit balance until the XXXX ( sometimes XXXX ) of each month. Credit card companies " do not '' prematurely report credit card balances. There is no valid reason to do it, there are no benefits for doing it. Period. 

The XXXX instance represents the second time this has occured in my credit file. Months ago it occurred with my XXXX credit file with one of my other credit cards. It was prematurely reported 21 days ahead of schedule causing my credit score by XXXX points. Now in this new case with XXXX, my credit score has instantly dropped by XXXX points. 
I work very hard to move my credit score northward and keep it from dropping so it is unacceptable for my score to drop because my balance was prematurely reports. I pay my balances off each month prior to the accounts being reported, or very close to zero. 
What I know so far is : 1 ) When I contact the credit card companies, XXXX in this case, they emphatically state that they did not, and do not prematurely report balance, which implies that the CRA was responsible somehow 2 ) What is also a pattern when it has occurred - it's always isolated to only 1 CRA. In other words the update to my XXXX file, only occurred the. The same was true when it happened with XXXX. Never did it affect all 3 bureaus. 
I will get to the bottom of the issue, even if I must take XXXX & and/or XXXX to court to prove they are responsible for the updates. 

So what is the implication : - it's against the law for CRAs to self-report - When a CRA reports a consumers credit data without he actual data furnisher, it represents a violation of the consumer 's privacy. It's the same as a data breach, and affords heavy penalties. If XXXX or XXXX who may have intentionally done this, for their own purposes, and then claim it was the creditor who did, and then respond back via the CFPB portal and to me they were not involved, then they have not committe fraud, not to be taken lightly. I understand why an XXXX or XXXX whould choose to deny involvement, however do understand I will og after you in court for fraud and other violations!
Consumer complaint received 2024-05-01
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. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Account : XXXX
Consumer complaint received 2024-07-09
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. (NY)

I am writing to challenge and request a correction of incorrect information on my credit report. After reviewing it, I found account that is inaccurately reporting late payments. I have contacted the companies associated with this account, and they confirmed the late payment was mistakes. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. They have agreed to update my account and remove the late payments. 

ACCOUNT : XXXX XXXX.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-01
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. (MI)

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Consumer complaint received 2024-07-09
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)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account # 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I had a secured credit card with XXXX XXXX .the card began not to work and I had over paid the card so the bank owed me a balance on the card. They then proceeded to charge me with late fees while owing me money on a malfunction card.the contract stated a review after a year to turn into a u secured card. They continued to put it off after I asked multiple times after a year. They breached their own contract in multiple ways and therefore we should gone into arbitration and not charge off status or reporting to me credit. This is securities fraud on their part and evading their fiduciary responsibility. 


There is incorrect information on my credit report I sent a debt validation letter, certified mail to XXXX XXXX  on XXXX XXXX and also a method to verification letter on XXXX XXXX to all XXXX credit reporting agencies and received nothing back from anyone. Also I sent a XXXX XXXX dispute letter on XXXX XXXX to all XXXX credit reporting agencies certified mail, showing the inaccuracy and difference in all reports.XXXX  and Experian have continued to ignore me and report inaccurate information, under 15 usc 1666b timing of payments this information should not be reported in the first place and also under 15 U.S. Code 1681b - Permissible purposes of consumer reports I was never provided proper documentation to verify this information.under 15 u.s. Code 1681 the information has never been verified and must be removed under the fair debt collection practices act. This is also a violation on the 1974 privacy act I do not consent and opt of of this information 15 usc 6802 opt out,. 12 United States Code 1001.17 cfr opt out.also a violation of the fair credit reporting act
Consumer complaint received 2024-06-27
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. (NY)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXXXXXX XXXX XXXXXXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 
How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the DOB would be right would it not?

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.
Consumer complaint received 2024-05-01
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. (GA)

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, Experian, and XXXX data breach.
Consumer complaint received 2016-05-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (PA)

I have a home equity credit line secured many years ago with now defunct XXXX XXXX. TD Bank took over the loan and began annually requiring a myriad of financial information that was never requested by XXXX. The loan is in good standing and my FICO score is excellent. I consider this age related harassment ( I am over XXXX years old ) and want TD bank to cease this annual harassment ritual
Consumer complaint received 2019-03-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo owes me all the money I paid for my duplex that they stole from me. It appears they were collecting or foreclosed on a XX/XX/XXXX deed of trust with XXXX XXXX. 

I was not in default when they returned three of my payments in a row. Offered me a modification I could not afford. Then foreclosed 1 business day after denial of revised modification. 

Even more striking is that they were paid anyway in XX/XX/XXXXor XX/XX/XXXX for a fraudulent mortgage that was already released in XX/XX/XXXX. 

I want this fixed and I wand the restitution Wells Fargo was ordered to pay
Consumer complaint received 2024-06-26
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)

This is my numerous request to tell you 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/year> This letter is to formally dispute the debt you are attempting to collect from me. In reviewing my credit report I see your agency listed regarding a debt of allegedly owed to XXXX 

I dispute this debt for the following reason ( s ) : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2024-05-01
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-01
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. (TX)

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 is my understanding that you will investigate this item listed below for me to ensure accuracy. 


XXXX XXXX ACCT # : XXXX
Consumer complaint received 2024-07-08
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. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"