davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charged-Off Account Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under : XXXX FIN # XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding these accounts is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely.

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution.

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-27
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  deleted from XXXX but did not delete from XXXX or experian. Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint against your bureau for inaccurate and incomplete credit information. I am extremely distressed that the information included in my credit report profile has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that are published. As per the credit reporting laws, bureaus are required to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I request you to immediately re-investigate the following information as it is entirely inaccurate and incomplete, and as such, represents a very serious error in reporting : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. I respectfully request you to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-11-18
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 following companies have violated my rights. XXXX XXXX XXXX XXXX account number XXXX. XXXX account number XXXX. XXXX account number XXXX. XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. XXXX account number XXXX. XXXX XXXX XXXX  XXXX account number XXXX. XXXX XXXX XXXX account number XXXX some of these are duplication and is really affecting my credit. In 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 2024-04-27
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. (MI)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize 15 U.S. 1602 ( p ) According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I have no involvement with this account nor inquiry on my credit profile This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-11
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. (MI)

This is in response to the closed complaint : XXXX by XXXX on the alleged debt of {$66000.00} for account number XXXX. I am submitting what I sent to this company, XXXX I, in return, demand that this company removes this alleged debt of {$66000.00} from my consumer report due to the unlawful fact this company is UNABLE to produce documentation stating that this alleged account ending in XXXX belongs to me. XXXX has yet to produce any exhibits that gives the jurisdiction that i voluntarily gave consent to enter any contract with my WET INK signature ( XXXX has only produced a document that does NOT consist of my handwriting WITH a FRAUDULENT autograph signature ), photo ID, thumb print, video footage, hair follicle or phone recording that I gave any consent of this alleged debt. This is causing myself true harm and XXXX because I am unable to provide a home for my children due to this alleged debt on my consumer report. This company 's unwillingness to remove this alleged account and debt from my consumer report has eve caused me to feel threatened and harassed by their company by attempting to contact me via telephone, as I will only accept in WRITING from this company that this alleged debt has been removed from my consumer report. This company responded stating states that I must submit a Loan Discharge Application : Forgery to an open investigation for an account that DOES NOT belong to me. It is unethical to do such matter for an alleged debt and an unvalidated account that does not belong to me. I reject the contract of doing so, as i do not sign contracts of third parties and none that i don't consent to. This company does NOT have my consent and never had of reporting any information regarding my natural living person. I reserve my rights, as this is a special appearance through this portal, not general. According to the UCC ( powers that be ' knew that all commerce is ruled by the Law of contracts ) no contract ; no case. I will seek legal action as the fraudulent documentation was written by someone other than my natural living soul, is fraud and from this companies conception i believe is used to extort money from me. I have filled out a police report and filed an FTC complaint long before this company " responded '' to do so, in the year of 2020. This company 's unwillingness to comply with my natural living rights has become unlawful and a meaningless investigation.
Consumer complaint received 2024-10-23
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. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (PA)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2023-11-18
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. (IL)

I have not received any verification of debt or reply. Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.
Consumer complaint received 2024-04-26
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/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  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-06-18
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. (GA)

XXXX XXXX XXXX is reporting a loan that was paid in full by XXXX XXXX XXXX XXXX XXXX as I did A refinance on vehicle. Yet XXXX is still reporting the account open and recently reported account late even though account is CLOSED but its not reporting as CLOSED paid in full with the XXXX credit reporting agencies. XXXX is falsely reporting inaccurate information on this account which is negatively impacting my credit
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX Account Missing Information - The account number for the XXXX XXXX XXXX XXXX account ( number XXXX ) is incomplete. 
Discrepancies : This account is not listed on XXXX and XXXX reports. 
Request : Verify the accuracy of the XXXX XXXX XXXX XXXX account information. 
If unverified or inaccurate, DELETE the entire entry from my report according to the Fair Credit Reporting Act ( FCRA ) 1681 ( e ) ( b ). 
Additional Information : Attached consumer report
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.