davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I According to my consumer report I received dated XX/XX/XXXX there was an error that on XX/XX/XXXX I there is a late payment posting from XXXX XXXX have never been late on this account. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on Equifax, XXXX, XXXX and any other furnishes of my personal credit.
Consumer complaint received 2022-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc (NY)

Loqbox is trying to charge me {$780.00} for a installment loan that I never set up. I don't even have a account under the email address that it is attached to. I only have one email address and I don't have anymore. Loqbox {$780.00} - XXXX XXXX and reported it on XXXX XXXX. Is says account condition open and installment loan. I never opened up this loan with this company and I want it removed from my credit report immediately. And I want this company to stop harassing me.
Consumer complaint received 2024-01-09
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. (NJ)

My name is XXXX XXXX. 

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

Account names : 1. " XXXX '' # XXXX 2. " Contract Callers '' # XXXX 3. " XXXX XXXX '' # XXXX 4. " XXXX XXXX XXXX '' # XXXX These names have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" XXXX '' # XXXX continues to harass myself and my family, causing undue emotional and mental damage despite numerous pleas to stop sending information and calling. 

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. 

" XXXX XXXX XXXX '' - I do not recognize this debt and they continue to harass me every day. This is also not reported correctly because it's reasonable to believe that the spelling is inaccurate All of these collections are hampering my ability to obtain credit to start a business and help my family. I have been in therapy for over a year now because of this.
Consumer complaint received 2023-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint against Experian, a credit reporting agency. I had submitted a dispute regarding my personal information to Experian, requesting them to remove inaccuracies in my personal information. The dispute was submitted by me on XX/XX/2023. 

On XX/XX/2023, XXXX XXXX, the dispute with XXXX tracking number XXXX was delivered to Experian 's address. However, Experian has failed to take any action on my dispute. Instead, I received a response from Experian stating that they received a request regarding my credit information that does not seem to have been sent directly by me or to be authorized by me. This is not true, as I am the one who submitted the dispute. 

According to the federal Fair Credit Reporting Act, if a consumer notifies a credit reporting company directly of any dispute regarding the completeness or accuracy of any information contained in their credit report, the company shall reinvestigate the dispute free of charge. However, Experian has completely ignored my dispute and failed to take any action, which is a clear violation of FCRA 's requirements.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Balance : {$12000.00}.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-28
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. (NY)

FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-01-09
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-28
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. (NY)

I consistently ensure that my payments are made on time ; that much I am certain of. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
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)

I consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.
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. (CA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-27
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. (IN)

I hope this message find you well. I am submitting this compliant for the 4th time to follow up for the remaining items on my report which are unauthorized and were resulted from identity theft. Once more I am asking for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any items listed on an identity theft report. Once again, please find the required documents to assist in the removing of the erroneous information which is being posted on my report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX Balance Owed XXXX {$870.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
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. (LA)

I reviewed my Transunion credit report and saw some accounts that should not be appearing on my credit report. So I disputed the accounts with Transunion and the they said that the information was verified. So I then went on to dispute directly with the data furnisher and they have sent me a letter stating that they dont have an account with any of my personal information. I have proof in the attached documents below.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding the reporting of a INACCURATE past due payment that NEVER WAS PAST DUE, yet the credit bureaus and XXXX XXXX  are showing the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the XXXX  submitted from XXXX  to credit bureaus.
Consumer complaint received 2024-04-28
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. (MN)

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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

upon viewing my credit report i notice that capital one has reported to my credit file that i was 30 days late on my payments in the months of XXXX and XXXX this information is inaccurate and incomplete and is in violation of the ( FAIR CREDIT REPORTING ACT ) 15 U.S.C 168I the reason this information is inaccurate and incomplete is becuase during the reported months of the alleged late payments i was not legally obligated to make any minimum payments, due to fact that there were unauthorized charges on my credit card that caused a balance, in which capital one applied credits to my account that reduced my enitre balance to XXXX XXXX at this point my monthly statement reflected that no minimum payments were due and in good faith capital one conducted and investigation regarding those claims and granted in my favor, there is no suggestion that i went an entire thirtys days late without making a payment, this information is false and misleading and inaccurate and has effected my financial reputation
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed this XXXX late payment reporting on Transunion, XXXX proof showing XXXX was XXXX by the car dealership on XXXX XXXX. I should not be penalized for XXXX internal processing process, causing them to not close the account until XX/XX/year>. I had originally traded in the vehicle on XX/XX/year>. Well before the next payment due date of XXXX XXXX. 

When speaking to XXXX, they said they calculate the XXXX day late payment from my last payment received, which was on XX/XX/year>. This is not standard reporting practices.
Consumer complaint received 2024-01-07
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. (MI)

I have had problems with identity theft and fraud on my records for years. There are several accounts on my credit report that do not belong to me. My identity has been hacked, sold on the dark web and I have been informed by several hospitals that I attend, that their systems were hacked into and my info was used by the hackers.
Consumer complaint received 2024-04-28
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. (NV)

Looking over my documents I notice that I do not have a copy of the contract that I have with Equifax the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Equifax to ensure that they proper documentation from me stating that I gave them some form of permission or to show proof of some contract to report these accounts on my credit profile.. May  Equifax provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed TransUnion LLC a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from TransUnion LLC firm stating the ID I submitted was insufficient to verify my address and identity. Also Transunion LLC state that they do not have a Credit Report for me. 

The identification I submitted is sufficient according to your guidelines and I demand that Transunion LLC examine the enclosed documents more carefully this time. I have also included my original letter for your convenience.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

During the pandemic XXXX XXXX closed my open accounts that did not have any missed payments on my XXXX XXXX card. XXXX XXXX has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
XXXX XXXX placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last month a complaint was filed on XXXX XXXX XXXXXXXX and Transunion for reporting false credit information. My credit card has a {$200.00} limit and I used less than 28 % of the credit limit and within 3 days it was reported to Transunion and my score was lowered by XXXX points. I filed a complaint last month with proof of the credit being lowered. After it was lowered I paid approximately {$40.00} towards the balance and now 8 days ago Transunion lowered my credit another XXXX points. The credit payment was not due until XX/XX/.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

During the pandemic XXXX XXXX closed my open accounts that did not have any missed payments on my XXXX XXXX card. XXXX XXXX has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
XXXX XXXX placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent