davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Your capacity to erode my faith in the banking system greatly concerns me. The integrity of the banking system relies on fair and precise consumer reporting, as outlined in accordance with 15 USC 1681 ( a ) ( 1 ). I have observed entries on my consumer report that warrant attention.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago, I sent correspondence regarding these listings, but I have not received a reply, and they have failed to provide adequate validation for these supposed late payments. I kindly seek your help in resolving this issue.
Consumer complaint received 2023-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (PA)

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, XXXX My wife and I traded her XXXX XXXX XXXX in on the XXXX XXXX Total payoff for the XXXX was {$5500.00}. XXXX The dealership gave us {$4000.00}. We also put down {$500.00} as well. The purchase price for the XXXX was {$26000.00}. The loan interest rate is 14.95 % so it cost {$15000.00} in interest payments for the life of the loan which is 72 months which brings the total amount financed to {$44000.00} for the vehicle.The payment for the vehicle is due on the XXXX of every month. Global lending services starts calling me and my wife by the XXXX of the month every month XXXX times a day sometimes more. They have went as far as calling our next door neighbors and threatening my wife that she had no rights and they could do so as it was legal. Upon having the vehicle for less than a year XXXX was forced to issue a recall on the transmission due to a software error that caused the engine to stall and increasing the risk of crashing. I had made several attempts to get the vehicle in and have been told that service departments are backed up. My wife was on her way to work on XXXX XXXX when a vehicle went to merge into her lane without seeing her causing my wife to slam on her brakes which caused the car to shut off which locked the steering and she was almost hit by a semi truck behind her as well as XXXX beside her. Thankfully both semi truck drivers avoided her by XXXX knifing their vehicles in the middle of the interstate. My wife is terrified to drive the vehicle now due to the constant issues with the transmission causing the engine to stall as it has happened a total of 7 times. I went to trade the XXXX in on something else and am told the pay off for the XXXX is {$30000.00}. This company is a predatorey loan company as they refuse to reconcile the loan terms or anything besides constantly having different employees call my wife with different dollar amounts due even if the payment is on time. I have all original loan documents as well as statements from neighbors of the harassment.
Consumer complaint received 2023-04-18
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 checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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 report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-22
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. (PR)

Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

EXPERIAN AND XXXX  ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX  who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX  IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX XXXX XXXX XXXX, I am XXXX years old and CHASE CREDIT CARD BANK has been, creating me, problems in regards a credit card I had with them Everything was fine on my end! The monthly payments have been made steadly, Never late, always paid more the minimum balace! I made sure, by authorized automatic payments, XXXX day coming from nowhere, I tried to use the card and wouldn't work, I try to get into my account thru the card app, and for my surprise was blocked for suspicious activities, I call the bank I they made me go thru an huge extensive identidy check, I staying on the phone for well over an hour with many moments o f complete silence, like a little children 's game! They just left me there sitting and waiting for their disgrace!! They ask me detail questions of my addresses over 35 years a go, that many computers XXXX  would not have an answer! They never send an email or called me or anything! The only thing they is to pull money out of my account with XXXX automatic charges on my Bank account to callect my money without me be able to confirm payments or details of payments! They simple charge me anything they fell like it! Without any reference for my payments! That is taking a huge toll on me, since I am very conscious person about my credit health, which they have hurt deeply lowering my score from XXXX to XXXX with no respect for my age or situation! What their doing it's an Psicologic and Financial abuse against an elderly person! 
It's just not fare and should be severely punished by the law!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
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. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 U.S.C 1681 section 602 A. StateXXXX 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 2024-04-29
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)

This account according to the creditor was opened on XX/XX/year>. I do not know this account and never opened an account with XXXX XXXX XXXX XXXX XXXX. This account does not belong to me and this is fraud.
Consumer complaint received 2023-09-01
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX  XXXX XXXX  XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Request for Removal of Inaccurate Address Information Dear XXXX, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-04
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)

I am writing to address a matter of great concern pertaining to a recent hard inquiry that has surfaced on my credit report, ostensibly conducted by XXXX. Upon meticulous examination of my records, I feel compelled to dispute this inquiry due to what appears to be a lack of adequate validation and verification processes employed by XXXX. 

XXXX - XX/XX/2023
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-01-04
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section ) also states a consumer without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2023-12-28
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (NC)

This is 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am in the process of trying to buy a house and pulled my credit report and noticed unauthorized inquiries on my report so I sent a letter to the credit consumer and didnt receive any updates. I had damages on my credit report and according to the 15 U.S.C 1681 any damages on my report is a defamation to my character.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

Each month Ive had the same issue paying my bill. All of my debit card information is correct when I call or go online to pay. Online pay never lets me pay because my card information isnt correct, so I usually call. I tried calling multiple times, I reached out to customer service, I tried paying online multiple times, and spoke to a live agent on the website and I continuously kept getting the response try again tomorrow. Tomorrow turned into next week, then next month. So I was bombarded with fees and they reported late payments to the credit bureau. I have screenshots of the texts, Ive kept the emails, and my call log verifies how many times I tried to call.
Consumer complaint received 2023-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

The debt collection agency IC System Inc. has listed a collection of {$710.00} on my accounts with credit agencies including XXXX and XXXX. They claim to be collecting on behalf of XXXX XXXX, which seems to be a telecoms company offering XXXX internet and cable. 

I have never had a relationship with XXXX or XXXX XXXX. Indeed, I have not been a resident of the United States since XX/XX/, and I have certainly not had any telecommunications bills in that country since then.
Consumer complaint received 2024-04-22
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. (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.