davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX, I pulled my credit report and noticed a hard inquiry for an Equifax mortgage. I have never submitted any documentation to apply for a mortgage through Equifax. This inaccuracies has dropped my credit score. 
By reporting this inaccurate information, Equifax may be violating the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. Additionally, unauthorized hard inquiries can be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), if they result from improper debt collection practices.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to express my deep frustration and dissatisfaction with the lack of action taken regarding my previous dispute concerning the XXXX account appearing on my credit report. Despite my prior demands for immediate resolution, this disputed account remains on my report, tarnishing its accuracy and reliability. 

Once again, I must emphasize that XXXX has failed to provide any valid evidence or documentation confirming the legitimacy of the disputed account. This absence of substantiation directly violates the Fair Credit Reporting Act and undermines the integrity of the information reported by your bureau. 

Furthermore, the unauthorized closure of my existing XXXX account and the subsequent opening of a new account under the XXXX brand without my explicit consent represent egregious violations of my consumer rights. These unilateral actions must not be tolerated, and the associated accounts must be promptly rectified. 

I demand immediate and decisive action : Remove the disputed XXXX account from my credit report without further delay, as it lacks validation and violates the Fair Credit Reporting Act. 
Eradicate any inaccurate or unverified information linked to the disputed account from my credit report. 
Ensure strict compliance by XXXX and related entities with consumer protection laws, including obtaining explicit consent before making changes to consumer accounts. 
Implement robust measures to prevent similar occurrences in the future and safeguard the integrity of the dispute resolution process. 
Failure to comply with these demands will leave me with no choice but to escalate this matter through all available legal avenues. The persistent presence of this disputed account on my credit report damages my financial standing and constitutes a grave injustice that can not be overlooked. 

I expect an immediate response outlining the steps taken to address these issues and a timeframe for their resolution. Your prompt attention to this matter is crucial, and any further delay will be deemed unacceptable. 

Thank you for your urgent consideration and anticipated cooperation.
Consumer complaint received 2023-12-20
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. (MS)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2023-12-20
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)

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 need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT NUMBER # - XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-12-20
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. (VA)

Delete Hard Inquiries 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.

The accounts below have violated my rights.

15 .S. 81 ser hase i. States 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 16815-2 ( A ) ( a ) 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. 
Delete the accounts below. 

DELETE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX EXPERIAN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX EXPERIAN,  XXXX XXXX EXPERIAN, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (TN)

Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and Equifax, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.
Consumer complaint received 2021-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

hi I can't believe you guys are taking advantage of me. I am very upset the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. these are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting ABSOLUTERE account number:XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and my information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-12
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. (TX)

I CAN NOT BELIEVE THIS I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. These accounts have violated my rights! 
XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating so many rights!! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (OH)

Department of education isn't reporting original loan amount of $ XXXX instead they are reporting the balance as the original loan amount. This is a installment loan and should reflect all loans and consolidations inclusive of the 43 loans that were recently consolidated from XXXX XXXX from XXXX to XXXX, before then it was XXXX XXXX, and XXXX XXXXXXXX from XXXX. Those banks are missing from the report all together and it has not been 10 years since the activity of Consolidation.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank, which is working with PayPal, is stating that I have a line of credit that I did not ever open. I was first made aware of this line of credit when I got a letter from XXXX saying I had a negative action on my credit rating due to a missed payment. 

I successfully disputed the account with the 3 major credit agencies- XXXX, XXXX XXXX and XXXX XXXX However, PayPal/Synchrony still thinks I owe them money. I do not have access to this line of credit to either use or pay a bill, it is not accessible through my PayPal account and I have no idea how to access it. 

This account was also opened in early 2020 which corresponds to the time where my, as well as many other XXXX XXXX XXXX XXXXXXXX, identity was stolen and false unemployment claims were submitted.
Consumer complaint received 2023-12-20
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-09
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-19
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: World Acceptance Corporation (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-30
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.