davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (NJ)

I sent a letter on ( XX/XX/XXXX ) to remove the inaccurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX  XXXX of inquiry : XX/XX/XXXX ERASE IT FROM MY REPORT. 
EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-19
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. (FL)

I sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (GA)

I am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : XXXX, Equifax, and XXXX. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history. 
These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate. 
Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports. 
I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TX)

I have provided Advance Financial the XXXX  XXXX Bankrupcy case filing notice showing that the loan account number XXXX is filed in XXXX XXXX Bankrupcy as of XXXX XXXX from the notice of XXXX  XXXX Bankruptcy notice attach with them listed on my XXXX  XXXX Bankruptcy draft petition inwhich i am providing to you all. 
And they have the account listed as and balance owe of {$330.00} dollars instand of it listed in XXXX  XXXX Bankruptcy case filing
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (AZ)

I have XXXX accounts that were sold too debt collectors and I was sued for XXXX of them XXXX and it was paid in full. I disputed the report showing charge off because they sold it and it was paid in full yet the continue to report it.This is double jeopardy reporting and when I ask them to do a dispute they put on my report sold to another lender and charge off.They also did the same with lendingclub Paid charge off. Both accounts are old accounts XXXX pass 7 years yet because I asked for a depute they made it a point to make XXXX remarks bad debt charge offs and then drop my score. 


XXXX XXXX
Consumer complaint received 2023-06-15
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. (MD)

This is my 3rd complaints that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please 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 2021-01-15
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. (TX)

One more time, I can not be late in XXXX when I paid it off in XXXX. Still there are accounts now showing 120 days late in XXXX of 2020. Almost 18 months after this was paid. This is retaliation for asking them to report correctly
Consumer complaint received 2023-06-19
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. (NY)

I am complaining regarding this inaccurate information on my credit file that are incorrect. Behind of that, I am not satisfied because as I know these inaccurate accounts could really affects my credit score as well. I never disagree as I found these accounts. So in other words, kindly make action about this and correct the said accounts : 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 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to XXXX, Transunion and XXXX on XX/XX/2022, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion and XXXX have 30 days to respond to my dispute. This is a violation of my rights
Consumer complaint received 2024-04-10
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)

I am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : TransUnion, XXXX, and XXXX. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history. 
These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate. 
Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports. 
I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-19
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-12
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: Resurgent Capital Services L.P. (LA)

XXXX XXXX XXXX HAS A CARD IN MY NAME THAT I DID NOT AUTHORIZE! 
Original address traced back to Ohio. I do not live there and have not lived there in over 5+ years. I have tried working this out with the credit card company. It was put into collections before I found out about it. The collection company XXXX XXXX XXXX claims they have sent me multiple letters which they never did. They threatened me with a sheriff by serving me papers but I was not home. I have been in contact with the Collection Agency ( lawyers office ). 

Collections Agency ( lawyer ) said I had to appear in court if you were accepting the papers. I AM NOT ACCEPTING PAPERS FOR SOMETHING I AM NOT RESPONSIBLE FOR.
Consumer complaint received 2024-04-10
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. (FL)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXXXXXX FOR {$220.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXX FOR {$140.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1000.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$590.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$760.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  FOR {$1100.00} OPENED XXXX XXXX, XXXX )
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to convey my discontent regarding the information stated in the response letter, which inaccurately identifies my complaint as originating from a third party. I want to clarify that I am personally submitting this request concerning the inaccuracies present in my credit file. To verify my identity, I have enclosed copies of my Driver 's License, Social Security card, and proof of address.
Consumer complaint received 2023-06-19
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. (WI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 2024-04-10
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)

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 these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2018-08-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (TX)

I am submitting my complain and I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2024-04-10
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. (CA)

I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX  XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX  Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXXXXXX Account Number : XXXX 7. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-10
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. (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 15 USC 1681.

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.