davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

TransUnion is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated :XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : TransUnion, XXXX and XXXX. However, they have yet to MASK these items, from my Credit Reports. 

However, onXX/XX/XXXX after I disputed these inaccuracies with TransUnion, XXXX and XXXX. TransUnion and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : TransUnion, XXXX and XXXX IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-12
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My student loans were transferred to XXXX from XXXX on XX/XX/2023, and subsequently forgiven. XXXX is reporting that my loans are current, but that I have a balance. When I check on both XXXX and XXXX 's websites, I see a XXXX balance.s. I'd like to have my credit reports accurately reflect the XXXX balance of my loans.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have spent 5 months in trying to remove the incorrect information off my credit report. My personal information had been compromised and misused without my consent. The discovery has triggered a series of incidents that continue to affect me in carious ways, both financially end emotionally. the unauthorized opening of accounts, fraudulent transactions, and the misuse of my personal information have left me with a sense of violation and vulnerability. PLEASE DO SOMETHING!!!!!!
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-05-06
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. (CA)

After reviewing these accounts the information provided below are inaccuracies which are reporting on my consumer report. I have contacted these credit agencies in regards to this information. Nothing has been resolved on their behalf. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-16
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-16
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. (PA)

I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquires are : XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX 2023 I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / E ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of XXXX, XXXX and XXXX XXXX violation of FCRA.
Consumer complaint received 2023-11-16
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. (MD)

On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have contact all three credit bureaus ( XXXX, XXXX, and Experian ) about a number of accounts. The first contact, I was advised they verified the account and they provided no proof of how these accounts were verified. The following XXXX letters ( XXXX, XXXX, and XXXX ) I requested for proof of what they used to verify these accounts and they have failed to comply with that request. They all have sent the same computer generated response and that was that the accounts were verified. I do not believe these accounts were mine because I have contacted the original creditors and they advise they didnt have any information. So I am now asking the CFPB to assist me with getting this resolved since the bureaus arent willing to help. 

The accounts in question are : XXXXXXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-04-16
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 15 USC 1681. 




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 2023-04-14
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. (TX)

My credit consumer report withholds inaccurate information communicated from Experian, XXXX and XXXX. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.
Consumer complaint received 2024-04-16
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I been received multiples calls and even my husband received this phone calls asking to speak to me. When I return the phone call because they left a voicemail in regards of a civil complaint. They state of the phone call been recorded and made me confirmed my name, my last 4 digits of my social. And my address.They said I owe {$3000.00} from capital one. I responded saying that I dont have an account with that company for a very long time. They responded by saying that it was an account from 2006. That I need to pay it back or if anything we could have settle down by paying {$1000.00} or else I will be disputing this charges in court. When checking my credit I dont have any account capital one or owe that company no money. I even check with an operator to check my credit just make sure I dont owe anything and they confirmed there is no account under my information. This the number that I was told to call back XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
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. (KS)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My mortgage company has broke an important promise, they put me in a forbearance plan for 4 months to pay a lesser amount of mortgage payment and that the rest of the money was going to be placed behind the loan and at the end of the forbearance plan i will automatically start making the regular payments, now they want to foreclose my home unless i pay {$9500.00}. this was all due to a hurricane disaster program recommendation by the mortgage company servicing my loan. sincerely yours truly XXXX XXXX. 

PLEASE HELP US SAVE OUR HOME!!
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

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 2023-10-26
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. (NJ)

I the creditor believe that I have acted in good faith to discharged the debt with accordance TO THE LAWS that are now being presented and should not had have any damaging reports towards my credit to all three credit bureaus THESE ARE THE LAWS ACCORDANCE TO THIS MATTER : THE TRUST INDENTURE ACT OF 1939, THE SECURITIES EXCHANGE ACT OF 1934, THE EMERGENCY BANKING ACT OF 1933, UCC 3-603 3-604, 12 CFR PART CFR 1026.13 ( d ), 16 CFR 433.1 ( d ) ( f ), 31CFR 328.5,31CFR 328.6, 15 USC 1693,15 USC 41, UCC 1- 103, 1- 104, UCC 3-110 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( i ) ( ii ) ( iii ) ( iv ) ( d ), UCC 3-105 ( a ) ( b ), PUBLIC LAW CHAPTER 48, 48 STAT. 112, PUBLIC LAW 73-10, TITLE 31, SECT 5118 AND HJR 192 JUNE 5, 1933 1933