davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (NC)

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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. DEPT OF EDXXXX XXXX Balance : {$1300.00} ; DEPT OF EDXXXX XXXX Balance : {$1700.00} ; DEPT OF EDXXXX XXXX Balance : {$520.00} ; DEPT OF EDXXXX XXXX Balance : {$3900.00} ; DEPT OF EDXXXX XXXX Balance : {$2900.00} XXXX DEPT OF EDXXXX XXXX Balance : {$2100.00} ; DEPT OF EDXXXX XXXX Balance : {$93000.00}.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

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. DEPT OF EDXXXX XXXX Balance : {$1300.00} ; DEPT OF EDXXXX XXXX Balance : {$1700.00} ; DEPT OF EDXXXX XXXX Balance : {$520.00} ; DEPT OF EDXXXX XXXX Balance : {$3900.00} ; DEPT OF EDXXXX XXXX Balance : {$2900.00} XXXX DEPT OF EDXXXX XXXX Balance : {$2100.00} ; DEPT OF EDXXXX XXXX Balance : {$93000.00}.
Consumer complaint received 2023-10-13
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)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-13
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. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

My credit card payment was due on XX/XX/2020 and not only did I PAY the bill in full from my US Bank checking account electronically online to the credit card on that date, but I received an electronic receipt from US Bank in " messages '' clearly stating that the payment WAS made on XX/XX/2020. My " complaint '' is that US Bank charged me a Late Fee of {$29.00} as well as an Interest Charge Fee of {$34.00} because, they say, I didn't meet some " cutoff time '' on the due date. I have attached a copy of " The Bill '' that clearly shows a due date of XX/XX/2020 ( but does NOT mention any " cutoff time '' ) and I have attached a copy of " The Receipt '' that clearly shows that payment WAS made on XX/XX/2020. I have contacted US Bank both directly and through the XXXX  of MN/ND and they continue to hide behind this AFTER THE FACT cutoff time as an excuse to help themselves to {$63.00} of MY money. This is at the very least ( if not criminal ) unacceptable and just not right!
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
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: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX - XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2020-04-06
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX, my cousin used my SSN to opened auto loan account at XXXX XXXX XXXX CA XXXX without my permission. I did not notice until my fico score dropped down alot cause he missed 04 times payment. I know it is him because his mom told me that he bought a new XXXX car at XXXX and I find out there was nissan auto loan in my credit report.I asked my aunt and she showed me the contract, I went straight to the XXXX XXXX XXXX and store manager confirmed that is my cousin used my SSN to opened auto loan account.I already reported police but look like they do nothing for my case.My aunt already paid off for his car, but 04 missed payments are still available in my credit record, it make my auto fico score poor now. It is unfair for me.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXXXXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
Consumer complaint received 2023-10-13
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc (CA)

On XX/XX/2022 there was an auto accident in front of my home and one of the vehicles rolled up on my lawn and struck my vehicle which was parked in my driveway. I received a letter from a company stating that I was financially responsible for XXXX XXXX in damages and that I was responsible for causing the accident. I've contacted XXXX XXXX  company who the debt collectors say they represent but XXXX  has never heard of them, and XXXX informed me that I'm NOT responsible for the accident or any financial claims, as stated on the police report as well.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (WI)

I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (PA)

We were in foreclosure on our home. We went and spoke to a housing counseling agency who told us to begin saving all of our payments and the past due payments until our court date. On our court date we were told the foreclosure had been dismissed by Seterus although we had received a new foreclosure notice about 2 weeks prior. We asked our housing agency counselor how do we get current we have saved the payments and can pay up to date. She asked the attorney to send us a reinstatement letter. We received that letter after 2 additional requests for it. We went to the bank and wired the funds by the due date XX/XX/XXXX. Plus an additional {$930.00} to cover the XXXX mortgage payment. For a total wire of {$10000.00}. When I called in the following Friday XX/XX/XXXX to confirm Seterus receipt of our payment and that we were in good stAnding I was informed that we still owed the XX/XX/XXXX payment. That we had to pay {$10000.00} based on a statement we received from the company on XX/XX/XXXX. But that statement was received and dated prior to the attorneys letter that we received on XX/XX/XXXX. Seterus is telling us that they have nothing to do with what their attorney sent us. That those numbers were wrong.
Consumer complaint received 2023-10-13
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed 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
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I mailed the XXXXdispute letter to XXXX, Transunion, XXXX stating the information being reported on my credit report is incorrect and it needs to be removed immediately! the documents were sent in the month of XXXX, and which its pass the 30 calender days for a rebuttal of the affidavit to be contest which has not happened
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I mailed the XXXXdispute letter to Equifax, XXXX, XXXX stating the information being reported on my credit report is incorrect and it needs to be removed immediately! the documents were sent in the month of XXXX, and which its pass the 30 calender days for a rebuttal of the affidavit to be contest which has not happened
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (AL)

It has been brought to my attention that there was a credit card and inquiry open, then maintained in my name. I do not recognize this account. Upon further investigation, I believe myself to be a victim of identity theft. I am submitted records to GS Bank to remedy this issue, and have not received a response. It was opened using an XXXX XXXX I have not used in several years. Attached is the report I filed with the FTC and the rights awarded me as a consumer.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-04
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. (OK)

I've identified information on my credit reports that are the result of identity theft. These items are no related to any transactions completed by me. 


XXXX XXXX XXXX XXXX By law, they have 4 days to correct this, not 30. 15 USC 1681 ( C ) 2, related to blocking of information
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, You have been telling lies for the past year. You all never conducted real investigations as required by Federal Consumer Protection Law. You all willfully chose to not comply with the laws and will be held accountable. This is your final warning and last opportunity to comply before you are forced to do so by the courts. 

I have copy of XXXX doing a proper investigation, disclosing that they used XXXX and confirming that XXXX XXXX reports that there is NO bankruptcy. They deleted it as you should do! 

I have attached the response from XXXX XXXX also where they clearly state that there is no Bankruptcy! Stop lying saying that you can not verifiy with XXXX XXXX or that this record is verified. Its clear to everyone that you all are choosing to ignore laws and keep this on my credit file to further abuse and harm me. Its wrong and will not go on any further. 

Notice There are no accounts on my credit file that say included in bankruptcy nor is the address listed on the false bankruptcy record listed on my credit files nor is it in XXXX XXXX! 

Lastly, I have attached a record from the supposed Law Firm on the record and they confirm that I am NOT their client after verifying my photo, and speaking with me live. 

All of this proves that There is no valid bankruptcy for me and that you all are deliberately being unfair and unreasonable to me. You have no legitimate reason to keep this on my credit file. You all usually follow, so I expect you to follow their right example now and delete this file forever. 

If this is not deleted in a timely manner expect legal issues. 
I will seek damages of loss of wages, unrealized gains, emotional anguish, damage to my health, and defamation of character.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I paid my credit card bill in full on XX/XX/XXXX, and because my account is " new '' by some definition of theirs, the payment won't be credited in full until XX/XX/XXXX per their live chat representative. This causes my current available credit to be much less than what was promised, and leaves me without my promised cash-back rewards.