davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX  XXXX XX/XX/2022
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX  XXXX XX/XX/2022
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (MD)

My name is XXXX 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.
Consumer complaint received 2024-03-16
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. (FL)

This company XXXX keeps putting derogatory information on my credit report. They say I have a past balance of {$160.00} I pay this account off on XX/XX/XXXX of XXXX. They updated it is paid now in XX/XX/XXXX they put that I have a past due of the same amount that I paid, this company is vicious. This company is malicious and the people working for this company. Do not know what theyre doing. Im gon na get a lawyer and sue you if you dont fix this I am very pleased with this company. Im reporting you to the XXXX XXXX XXXX.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I monitor both my FICO credit score and Vantage credit score for all three credit reporting agencies, XXXX, Experian, and XXXX. On XX/XX/2023, my XXXX credit score using the VantageScore 3.0 scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. On XX/XX/2023, my Experian credit score using the XXXX XXXX  scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. These are very large score drops, and as result I am questioning the validity of this scoring model and it's use by organizations.
Consumer complaint received 2024-03-16
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)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX acct # XXXX I disputed this 4 times already and XXXX fix 's report date to on time then move the the 30 day late to another month. so they are noy really fixing. i have never been 30 days late on my account .i have deferred account payments but never 30 days late. 

XXXX never 30 days late XXXX XXXX never 30 days late
Consumer complaint received 2023-05-17
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: Nelnet, Inc. (OK)

to whom it May Concern the late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting please delete if you fail to verify I demand you show supportive documents that your reporting is accurate this is a violation of the 15 USC 1666 b violation of my rights
Consumer complaint received 2024-03-16
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: Experian Information Solutions Inc. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
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: CLGF Holdco 1, LLC (CA)

While looking at my credit reports on XXXX, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XXXX XXXX XXXX Feb/Destiny ( Bank ), XXXX XXXX XXXX CB INDIGO BANK  XXXX XXXX XXXX XXXX XXXXMilestone Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (TX)

There was a payment made in full to XXXX and account is closed. Balance is XXXX. XXXX and XXXX have updated the account status and balance. However TransUnion updated the account and balance then they changed it back to old amount due and status two days later.
Consumer complaint received 2023-03-23
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: LEXISNEXIS (MD)

On XX/XX/2023, I received an alert that an inquiry was made of my XXXX XXXX report. According to the alert the inquiry was from XXXX. I have not applied for credit for XXXX. I have a credit card with XXXX that was opened 7 years ago, but nothing recent. A couple of weeks ago, I called XXXX to inquire about raising my credit limit but chose not to seek an increase after I was told that it would result in a credit inquiry. After learning of this inquiry, I called XXXX it had no information on the inquiry. Please remove this inquiry from my report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$43.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-09
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. (NY)

In accordance with the Fair Credit Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.SC 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to notify the XXXX bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. XXXX BUREAUS is obligated by FCRA 605B ( 15 U.S.C. 1681c-2 ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

You are continuing to put inaccurate information on to my personal credit report. You are violating my rights as well as my life causing constant obstacles as you continue to go against the laws that congress put in place to protect my rights. You are reporting inaccurate information on my personal credit report. I have not live at these places and it indicates that I owe rent. You are continuing to go against the law and make it extremely difficult to live a good life because of the inaccuracies that you continue to put on my credit report. I recently sent your office a certified complaint. Explaining the how you are ruining my life by violating the consumer laws that are put in place to protect me. You are breaking the law. Please understand that you are violating my rights
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX8 Bank XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXXp XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX  Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX-XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of anxiety as I have always made my payments on time. It is affecting my XXXX XXXX XXXX XXXX XXXX. I want to reiterate that I have never missed paying this account.
Consumer complaint received 2023-04-20
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. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-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.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have false information on which Experian, XXXX, and XXXX are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was incarcerated since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. Experian, XXXX, and XXXX Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by Experian. I cant create Disputes with XXXX and XXXX due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly inaccurate.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been battling with the 3 credit bureaus, Experian, XXXX, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Consumer complaint received 2024-03-16
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. (GA)

Dear Experian I have noticed inaccurate information on my credit report, Experian is supposed to ensure MAXIMUM ACCURACY. This account violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete this Account this account shows different last dates of activity attached for XXXX XX/XX/XXXX and Experian XX/XX/XXXX violates FCRA. 
XXXX XXXX XXXX XXXX XXXX Asking for full verification on this account following guidelines set forth by FCRA. Remove this account immediatley. 
Sincerely XXXX XXXX
Consumer complaint received 2024-03-16
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. (OH)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.