davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : 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 2024-01-25
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. (TX)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX from Portfolio Recovery was very rude. I have no idea who these people are or how they got my number. Called the number and tried to find out who was calling and was spoken to in a fashion that is and will not be tolerated. I am a veteran and I will not have my place of employment investigated nor my home address for fear of safety. I will protect myself and home at all cost. That type of behavior is uncalled for.
Consumer complaint received 2024-01-25
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. (AR)

XXXX XXXX is reporting an unpaid credit card to TransUnion on my credit report. I contacted XXXX XXXX and they have no account using my name, address, social security number or phone number. I contacted XXXX XXXX bank that administers XXXX XXXX and they have no account using my name, address, social security number or phone number. I filed a dispute with TransUnion and the results of the dispute was that the investigation and my connection to the card was verified and accurate. This cant be true as I have confirmed with both companies that I do not have an account of any kind with them.
Consumer complaint received 2024-04-15
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. (LA)

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 2024-03-31
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: EQUIFAX, INC. (GA)

XXXX and EQUIFAX Credit Bureau Refuse to updated my payment history. They are reporting XXXX yrs or less when I have over almost XXXX yrs of payment history ( attached ) knowing that this hurts me. I am demanding at this point that all credit bureaus report accurate information especially when they are aware that this hurts me! After all the mistakes and inaccuracies on my report my XXXX or this XXXX XXXX ( set up to hurt citizens ) should go up tremendously! At this point Im seeking compensation for the inaccuracies
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite providing Experian with the FTC identity theft report, involving XXXX XXXX XXXX ; this Consumer Reporting Agency fails to comply with the law. According to 15 USC 1681c-2 , a consumer reporting agency shall BLOCK the reporting of ANY information in the file of a consumer THAT THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - A copy of of an identity theft report. Experian was provided this identity theft report and still has not blocked this fraudulent account.
Consumer complaint received 2024-01-25
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. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-11-25
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.
Consumer complaint received 2024-04-15
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. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX  Employer - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BE REMINDED BY THIS LAW/VIOLATION : Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Consumer complaint received 2024-01-25
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. (CA)

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 

TransUnion 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Employers : XXXX 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-25
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. (CA)

In accordance with the Fair Credit Reporting act Auto Loan Account starting in XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I was never late payment account was paid off as reflected by my proof. Equifax reported account was current and no past due. However XXXX and XXXX does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. XXXX and XXXX are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Credit was applied for using my personal information. I didnt not authorize my credit to be ran. These accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX capitol XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

This was an erroneous debt and Midland collections filed a lawsuit in XXXX court. The XXXX is 4 years from last payment- the company filed after the XXXX had passed. The court allowed this to remain on their docket for XXXX more years then proceeded to allow litigation ignoring the XXXX and Midland petitioned for a judgement and received it - the original debt was by Midlands own records from XXXX
Consumer complaint received 2023-12-11
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. (TX)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I attempted to resolve this issue with the consumer reporting agencies as well as the creditor. They failed to block or remove information related to my complete and accurate Identity Theft Affidavits.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services (CA)

I have voluntarily returned and surrendered my car in XXXX XXXX XXXX XXXX XXXXXXXX ( over 7 years ago!!!! ) Account or car was never in the REPOSSESSION Status!!! Account is CLOSED!!!! 
Mercedes Benz sold this vehicle on auction in XXXX XXXX XXXX  and applied last payment in XXXXXXXX XXXX XXXX!!!!! 
My own last payment was made in XXXX XXXX XXXX  (!!!! ) Mercedes Benz and Credit bureaus show account in repossession status and in voluntary surrender mode at the same time!!!! 
Mercedes claims that they have corrected everything to show Voluntary surrender and NOT a REPOSSESION but credit bureaus do not get their corrections Account also is TOO OLD to stay on my report its over 7 years since my last activity
Consumer complaint received 2024-04-13
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. (TX)

Recently I looked at my credit report and noticed there are still XXXX inconsistencies on my account. I disagree with the account listed below even after your investigation. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D. XXXX & Experian has failed to investigate this account properly after repeated attempts to have the account updating accurate information which have once again violated my consumer rights. The account shows a charge off listed on XXXX 2023, however there was a payment on XX/XX/2023 and the account was paid in full before charge off period on XXXX  2023. The charge off listed on XXXX 2023 is inaccurate along with multiple other inaccuracies. The accounts have NOT been updated. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Account number XXXX XXXX
Consumer complaint received 2024-04-15
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. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.