davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian knowing holds back correct report. How can they offer a boost in your report if you pay the monthly fee?

This means they knowing know their reports are wrong while filing them for other businesses to use.

This is unfair business p [ racticve and very deceitful to consumers. Also causing in higher interest loans due to lower credit.

How can you guarantee a boost in someone's credit without knowing your company is lower on PURPOSE.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-23
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-02
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. (SC)

I sent a letter to request these unauthorized inquiries to all three credit bureaus certified mail. They were never removed, I need you to please help me remove these unauthorized credit error inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority
Consumer complaint received 2024-04-09
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. (PR)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

I am getting e-mails from Chime.com regarding updates to privacy notices as if I was a costumer. I HAVE NEVER SIGNED UP WITH THIS COMPANY NOR HEARD OF THEM until I started to get e-mails.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX dropped my credit score by XXXX for an increase of {$160.00} on 2 credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 
Experian dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 

But yet when I make a payment they only credit me XXXX point on my credit score. This is not legally binding to do to a consumer. Please investigate them all immediately. No one 's score should drop this much for {$160.00}.
Consumer complaint received 2022-12-08
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. (MI)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 An 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 2023-03-26
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX - XXXX ( EXPERIAN ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-13
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. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Consumer complaint received 2024-04-09
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. (NY)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX, XXXX XXXX  Incorrect Name : - XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your organization is in breach! 
According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.
Consumer complaint received 2023-04-24
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following information that appears on my consumer report. 

XXXX XXXX XXXX is reporting a collections account that shows a balance of {$97.00} to XXXX. That is inaccurate. I have no account with a balance with XXXX XXXX. This is fraud and a complete lie. PLEASE REMOVE THIS FRAUD FROM MY CREDIT REPORT IMMEDIATELY.!!!!
Consumer complaint received 2024-04-09
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. (IN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-09
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)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your organization is in breach! 
According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I made a puchase at XXXX on XX/XX/XXXX for {$52.00}. On XX/XX/XXXX, prior to the closing date of the billing cycle, I received a charge from XXXX for {$1.00}, which was accidentally charged twice, for a bounce back of my checking account. 

I had gotten divorced and opened a new checking account at the same bank because the bank was unable to remove either spouse from the joint checking account, but I don't use the XXXX XXXX card very often, and didn't realize that I hadn't updated the account number. 

I called XXXX and chatted with them online several times on XX/XX/XXXX, and they credited back the fee when I explained that this was an honest misunderstanding, I have never been late, and I have excellent credit ( score around XXXX ), and held the credit card account for over 10 years. 

I spoke to XXXX different people who said the account was now cleared, and I got a confirmation that the total of {$52.00} was paid. Nobody had mentioned that the automatic bill pay feature was XXXX, or that I needed to make a one-time manual payment. 

On XX/XX/XXXX, I receive a notification from several credit card monitoring services that my credit score dropped over XXXX points!! I have always had an almost-perfect credit score, always have automatic bill pay, and have never been late. I called XXXX to inquire what had happened, and was informed that the payment of {$52.00} did not process on their end. I immediately paid the total on the app while I was on the phone with the agent, and asked them to clear this late payment from my credit reports, as this was all a misunderstading, and I had already called on XX/XX/XXXX to reverse the charge, update the checking account, and had received an update that the payment had gone through. 

I was told by the agent that they can not update the credit reporting agencies, and that I will just have to accept an XXXX hit to my almost-perfect credit score that I have spent decades meticulously monitoring and cultivating. 

If you view my credit report, you will see that I have an installment mortage account, credit cards with a long history ( oldest account was opened in XXXX - XXXX ), and I have never had a late payment and pay all of my accounts off in full every month without fail ( except the mortgage - I cant afford to pay the entire mortgage off in one month, or I wouldnt need a mortgage! ). 

Please help. I have already contacted Kohls ' several times, and have paid the amount in full the MOMENT I found out there was a discrepancy. This is not equitable to suffer such a large blow to my credit score all because they didn't process the payment when I updated my checking account, after receiving a notification that the payment was processing. I am the farthest thing from a credit risk.