davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$94.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/2021 I filed two unauthorized transactions reports totaling to XXXX.I was told my banco popular that it takes 10 working days to recieve the provisional credit and that both of my disputes qualify for the credit.After 10 working days on XXXX XXXX I called banco popular customer service and as speaking to a representative I was informed that the bank made an supposedly error when I filed my report and yesterday when the 10 day finished to give me my credit they said they fixed the problem and I have to wait another 10 working days which when including the weekend is almost 15 days ( half a month ) and that it is not guaranteed that they will give me a credit.This bank lies and does many illegal practices to there customers here in Puerto Rico all the time.Ive called over 50 times within the 1 year that I've had my bank account to complain about different illegal stuff the bank does and the horrible customer service representatives it has that argue curse and hang up on people.this is constantly happening and needs to be stopped.Please investigate this banks practicing and the horrible customer service agents they have who treat the customers badly.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2024-05-10
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)

XXXX has falsely reported two on-time payments as late. 
In XX/XX/XXXX the account was part of a XXXX forbearance loan modification that required XXXX trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-11
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)

I sent a letter to remove personal information and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Here is the letter that I sent to Equifax on XX/XX/XXXX of this year. I did not get a response, and my credit report is still inaccurate. 

Dear Equifax, I am writing to formally dispute inaccurate information on my credit report related to the account listed above with XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is 100 % accurate and verifiable. 
The account in question has never been late, and I have maintained a perfect payment history. However, the account is being reported negatively by Equifax, while both of the other major consumer reporting agencies reflect a positive account status, XXXX late payments, and a 100 % on-time payment history. The presence of late payments or other negative remarks on this account violates the permissible purpose clause of the FCRA, which mandates that my credit report must reflect accurate and truthful information. 
I request that you promptly investigate this matter, verify the information with the creditor, and correct any inaccuracies associated with this account on my credit report. Please provide me with written confirmation once this issue has been resolved. 
This is not a deletion request, but a correction request. 
I have provided you with an exhibit that shows you the inaccuracies on my consumer report. The difference are circled. XXXXPlease see page 2XXXX Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I would like to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX This is not my home address. Please check and remove this address immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Please remove this inaccurate address as soon as possible. This is not my home address. Please verify and delete it immediately. 
XXXX XXXX XXXX {$1700.00} It seems that the following information reported is incorrect :, payment history, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX XXXX Balance {$32000.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Consumer complaint received 2024-05-10
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX  XXXX Total fraudulent amount : {$1300.00} XXXX XXXX  XXXX Total fraudulent amount : {$300.00} XXXX XXXX XXXX Total fraudulent amount : {$370.00} XXXX XXXX Total fraudulent amount : {$3800.00} XXXX XXXX Total fraudulent amount : {$690.00} Attached is my FTC Police report, Driver license and social security to verify my claims and identity
Consumer complaint received 2021-04-23
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: Experian Information Solutions Inc. (PR)

The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
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. (PR)

The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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)

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 USC 1681. 
XXXX  Account # 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 the 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 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PR)

Wells Fargo Credit Card account ending in XXXX. 
My daughter and I had a joint credit card through Wells Fargo. My daughter had become an addict. The card was maxed out, I paid the card off with a balance transfer on XX/XX/2017. I then took possession of her card and I XXXX XXXX XXXX and closed the account, my daughter was aware of me the closing the card. She then at a later date called Wells Fargo and had the account reopened without my knowledge. I was shocked when phone calls recently came to me and letters demanding payment. My daughter and I do not speak as she has had a criminal mindset. I am retired and pay all of my bills. I was SHOCKED and stressed beyond belief when Wells Fargo started to harass me with the calls and letters. Then to have my credit ran to only see My one XXXX Fico score is now in the 500 's due to this fraudulent account.
Consumer complaint received 2024-05-11
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. (WA)

Delete these Inquiries. I have not applied for credit with these companies on or around these dates. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-11
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$4000.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance {$6700.00} XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX Balance {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2024-05-11
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)

These are my repeated attempts to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents resulting from this crime. These entries have no connection to any transactions I've initiated or approved for acquiring goods, services, or money. If there's indifference, I request the removal of any information related to alleged fraud or extortion from my credit record. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2024-05-10
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (PR)

Hi. Mi name is XXXX XXXX XXXX. Mi email : XXXX Mi last SS digits : XXXX Today, XX/XX/XXXX, I received a notification from the app XXXX XXXX. 

The app said that a company named Credit MGMT is trying to collect me a debt. 

Actually, I am totally debt free. I do not know this company Credit MGMT. I think that some fraud is hapenning right know.
Consumer complaint received 2024-05-10
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. (TX)

I am reaching out to address the discrepancies apparent in my credit report and to seek validation of specific debts listed therein. As a responsible consumer, I have consistently made payments on these accounts, albeit in minimum amounts, due to challenging circumstances. It's crucial to underscore that these minimal payments were not a result of negligence but rather a strategic approach to mitigate further damage to my credit report. I want to emphasize that these payments were made with the intention of safeguarding my credit score, and they do not imply any admission of liability for debts incurred fraudulently. The accounts in question, associated with XXXX  ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ), have been subject to these payments. Given these circumstances, I urge for the immediate removal of these inaccurate items from my credit report. Their presence not only undermines the integrity of my financial profile but also poses significant challenges in accessing future credit facilities. Therefore, I appeal to your understanding and authority to facilitate the removal of these erroneous entries from my credit report promptly.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted complaint XXXX XXXX  on XX/XX/2023 and received the results from Trans Union File XXXX XXXX regarding the 4 items illegall reporting on my consumer file. 

It states the information was verifified : Question : How is this information verified when I have read CFPB Advisory opinions and various other articles as well as I alone have copies of the Gramm -Leach -Billey Act which states : -A Consumer must be given the opportunity to opt out of credit reporting. I never received the opportunity.

-A Consumers right to privacy.

- A consumer must give wriitten permission or some other form of consent. 
I never gave the companies listed below any wriiten permission or any other firm of consent to anyone at anytime. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have worsened the situation by verifying information that should not be on my report in the first place. 

These companies are making me privy to collecting even more compensation from them due to each time they verify is creating more damage.