davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

On today, XXXX XXXX I received a credit alert regarding a collection. I thought it was a utility company, but when I called the number it is a collection agency stating I owe {$280.00} to XXXX on an account opened in XXXX, and paid until XX/XX/XXXX. I informed the agent, I have not ever had comcast. She asked me to verify last 4 of my social. I asked her if she could see the name on the account, and she states there is no name, only last 4 of social, which do indeed match my SSN. She asked was I aware of the service address and I stated yes. I lived there from XXXX to XXXX through a company called invitation homes. I relocated to XXXX, GA in XXXX, and then to XXXX CA in XXXX. She went to verify my new address and stated it was XXXX XXXX XXXX, I informed her that is not correct.. she has no records of my current address or prior address. She also tried to verify an email, stating it was XXXX I informed her this is also not my email. My email is XXXX I have no knowledge of this account, which has now reported to my credit report as a collection from XX/XX/XXXX, when she states the account was from XXXX, 6 years ago. I informed her, I have never received any type of notice regarding an account with XXXX or a debt owed. She has mailed me a fraud packet to complete. I informed her that this account is now showing on my credit report as a collection and how am I to get this inaccuracy removed. In addition to whoever owes this debt, the debt is from XXXX, it is now XXXX. She states they will have to reach out to comcast. I called XXXX today and spoke with agent named XXXX. She does not show any accounts under my name.
Consumer complaint received 2024-01-03
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. (PA)

I XXXX XXXX am making this complaint without any third parties. XXXX has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Consumer complaint received 2023-09-26
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. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2023-01-22
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. (CA)

XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 
15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX  th and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted.
Consumer complaint received 2023-09-02
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. (NY)

previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Previously filed a complaint against XXXX XXXX XXXX  for a credit card that was paid in full, but listed as charged off with a balance on my credit report. I wrote to the President of the bank and asked for the payment ledger which was emailed with a response. Per the response I received, the account was closed with a XXXX balance. However, each credit bureau shows closed at credit grantor 's request with a charged off balance. If the account was paid off in full, it can not be a charge off with a balance. I have argued that this information is incorrect with the bureaus, and yet they are still reporting inaccurately. The Fair Credit Reporting Act requires accurate information be reported to the credit bureaus.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-03-27
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-01-02
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)

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.

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 2023-07-15
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. (LA)

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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$30.00}
Consumer complaint received 2023-09-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

The statement didn't come in the mail, so I looked up my account and made what I thought was min payment plus some. I was waiting on statement I'm prevented from seeing my statement online since I get them in mail. Since I didn't receive my statement I made payment since every month I make payments. They charged me a XXXX dollar late fee and I didn't know it was due? I look online and always pay what I think is min payment and more but still since I didn't receive my payment I looked online and it told me I had a min payment after the fact. I paid immediately and why I can't look my statement online because I get mail statements is wrong they should let me in immediately and let all see statements online they just are punishing us who want paper statements and in the process pocketing late fees?
Consumer complaint received 2022-12-07
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. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Consumer complaint received 2024-01-02
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. (MD)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-03-27
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. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-02
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. (NM)

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.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (GA)

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 the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-05-13
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. (AR)

ON THIS XXXX ACCOUNT THAT IS ON MY CREDIT, I BEEN DISPUTING THIS WITH THE COMPANY AND WITH THE CREDIT BUREAU THEY HAVE FAILED TO DO A investigation ON THIS ACCOUNT. I AM A VICTIM OF identity theft, I HAVE SENT IN ALL DOCUMENTS TO THESE COMPANY AND THEY ARE MAKING IT HARD FOR ME TO GET A JOB WITH THE FEDERAL GOV BECAUSE OF THIS COLLECTION. 
THE ACCOUNT AMOUNT IS {$1700.00} ACCOUNT NUMBER XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (TX)

Ally Auto is reporting negative information on my credit report for an lease for my business which has nothing to do with me personally. They are reporting that I owe for a lease that the car a XXXX XXXXXXXX XXXX XXXX summit reserve was stolen with a police report. They have been reporting this for months even though I contacted them and stated it was stolen. They are refusing to help me get this debt off my credit report and threatened me multiple times they would ruin my personal credit for this when this lease was in my business name XXXX XXXX XXXX XXXX XXXX. They have now reported this negatively on my credit report and lowed my score significantly
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit report act, 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 XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
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: EQUIFAX, 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 the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is 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 2024-03-27
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)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-27
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX