davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

XXXX XXXXXXXX XXXX2023 
Amount XXXX 
They put on my report that derogatory account 

XXXX XXXX XXXX 
XXXX-2023
Amount XXXX  They put on my report that derogatory account 
I would want disputed cause I didnt get no notice or anything
Consumer complaint received 2023-12-18
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. (FL)

After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score. 

For Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (NY)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Student loan was taken in 2017 : I have since moved out of state ; they are in violation of collecting on a '' XXXX '' debt. In addition, i have endured the pandemic, suffered a debilitating XXXX and am currently on XXXX-will probably be on for life. Please remove credit reporting from any reporting credit bureaus, currently reporting. to Experian, i have disputed, but they did not remove.
Consumer complaint received 2024-04-12
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. (MI)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-10-25
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. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time.
Consumer complaint received 2023-10-25
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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
Consumer complaint received 2024-04-12
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-25
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. (CA)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

As i took a look at my Credit report i noticed i have several names and several addresses that shouldnt be linked to me I am highly afraid of identity theft and would like my personal information updated i should only have XXXX name ( XXXX XXXX XXXX ) XXXX address ( XXXX XXXX XXXX XXXX fl XXXX XXXX ) and XXXX phone number ( XXXX ) any other name address and phone number should be deleted expeditiously do to the possibilities of identity theft please and thank you
Consumer complaint received 2023-10-25
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. (DC)

Good Afternoon : I AM A Victim Of Identity Theft/ Mail Fraud/ Internet Fraud/ And Cyber Fraud ; Whereas , A Police Report Was Submitted ; As, A FTC ( Federal Trade Commission ) Document Simultaneously. With That Said, The Enclosed Negative Accounts Are A Result Of Such ; Whereas, The Mentioned Financial Instruments ( Credit Cards, Loans, Mobile Accounts, Credit Inquiries ) ; Are Not, Of Legitimate Means, To My Identity ; And, Are Used To Acquire Credit Illegally : FRAUD ACCOUNTS : ________________________ - 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 2023-12-18
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. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I
Consumer complaint received 2024-04-12
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)

Good afternoon. XXXX is giving me a hard time regarding this situation identity theft. Even when I gave all the required documents.I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a third party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IA)

In XXXX XXXX XXXX I had multiple identity thefts. Had addition monitoring services. In XXXX I reported fraud charges on a CITI bank credit card. After doing this, fraud charge was credited back to the account. I spoke with CITI bank fraud department assuring me after there review they were able to confirm fraud / identity theft as the charge was in another state. Confirmed signatures did not match. I learned year or two later it was sent to collections. Now XX/XX/XXXX XXXX XXXX has put this on my credit report. I have disputed this with all 3 credit agencies. To my understanding this was complete in XX/XX/XXXX. All other fraud from identity theft has been removed. There was cable, XXXX XXXX energy. My purse was stolen out of my car in XXXX  I believe this and a XXXX email is how it was compromised. I would like to dispute this issue immediately. Please assist me with doing so.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following hard credit inquiries we're pulled without my permission. 

Trans Union - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep dissatisfaction and concern regarding the numerous, unsuccessful attempts to remove certain items from my credit report. Despite persistent efforts and a substantial amount of documentation supporting my claims, these items continue to adversely affect my credit history, causing significant distress and financial harm. 

The items in question are as follows : I have initiated disputes and requests for removal of these items on multiple occasions. I have provided extensive documentation to support my claims, including proof of resolution, payment, or inaccuracies. Despite these efforts, these items persist on my credit report. 

The continued presence of these items has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the items in question. 

An investigation into the origins and validity of these items, including the verification of any claims I have made regarding inaccuracies. 

Immediate correction and removal of these items from my credit report if they are found to be inaccurate. 

An explanation for the extended delay in resolving these disputes and the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify these items and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your immediate assistance to remove the following fraud items in 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
Consumer complaint received 2024-04-12
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. (SC)

I am writing to address several violations of my rights and privacy by various organizations. 

1. **Department of EducationXXXX  XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the Department of Education/XXXX has violated my rights by contravening the Educational and Privacy Act. This act states that my school should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

XXXX. XXXX XXXX XXXX is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, is reporting a charge-off. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

XXXX XXXX Transunion is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. Transunion and XXXXXXXX XXXX failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds XXXX accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.
Consumer complaint received 2023-07-03
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (MO)

On XX/XX/2023 I contacted CCM and spoke with XXXX at XXXX in regards to an account that had been placed in their office by XXXX. At the time, XXXX XXXX told me that they ( CCM ) had sent correspondence to me at a XXXX address and a XXXX XXXX XXXX I have not had either addresses ) and the notices went unanswered. I informed her that I had never resided at the address she mentioned, thus making me unaware of the attempt to resolve the debt in question. When I asked about the dates of service, XXXX XXXX told me that I would have to speak with the attorney on the case who was based in XXXX  XXXX. She provided me with the attorney 's name XXXX XXXX XXXX and stated he would be able to answer any questions I had. However, my attempt to speak with XXXX XXXX has been extremely unsuccessful. I was able to log onto XXXX  XXXX and found the petition filed in XXXX XXXX ( not the county I live in ), but the petition filed lacked any exhibits or other information to identify the debt or validate that it belong to me. Again on XX/XX/2023 at XXXX XXXX  I again attempted to reach out to CCM and spoke with XXXX XXXX who again informed me that several notices were mailed to me at the XXXX address and XXXX XXXX XXXX I again informed XXXX that the biggest problem is that they were attempting to contact me at addresses where I had never resided. I informed her that I wanted and was willing to resolve this matter if they could verify and validate the debt as belonging to me and provide me with the dates of service and amount ( XXXX ) due. XXXX refused acknowledge my statement and admit that notices went unanswered because of incorrect contact information. She also refused to tell me where the " bad '' contact information for me originated from. After putting me on hold for about XXXX to XXXX minutes, XXXX XXXX ( he informed me he was a supervisor ) entered the call and informed me that I would need to speak to XXXX XXXX and there was nothing additional he or his company would do to assist me. In short, do not call us any more as there is nothing we will do for you. I do not feel this response was appropriate of fair seeing that the attempts to contact me fell through solely on the part of CCM. Currently, the attorney on this case ( not sure if his office is in XXXX or XXXX   ) has completely refused to provide me with documentation of the verification of the debt. There are not exhibits attached to the petition he filed in court ; he submitted nothing other than his filing sheet and petition. He has since filed with the XXXX  courts a change of venue since I reside in the city of XXXX, yet nothing other than the petition is available.