davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXXXXXX  I mailed a certified letter to Experian requesting the method of verification they used to verify the accuracy of these accounts ; 1 ) XXXX XXXX- {$950.00} 2 ) XXXX XXXX XXXX XXXX ( 4 accounts ) 3. ) XXXX XXXX  4. ) XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX VA XXXX Experian reopened a new investigation upon receiving the request for method of verification used to verify the investigation which was opened in XX/XX/XXXX and sent to me a notification today on XX/XX/XXXXXXXX   the accounts were updated which is not what I requested from them. This issue has been ongoing since XXXX  and I have letters and certified letter mail copies of the requests for the method of verification used to make the decision these accounts were verified accurately but they have refused to comply with the requests.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

COMPANY IS REPORTING INCORRECT INFORMATION, SO I DISPUTED THE INFORMATION, I SENT OPT OUT REQUEST AND A COPY OF THE CIVIL LIABILITIES ACT. SO THAT NEGATIVE WAS NOT AUTHORZED TO BE SHOWN ON REPORT
Consumer complaint received 2023-11-19
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. (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX
Consumer complaint received 2018-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XXXX was {$16000.00}, and after the XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XXXX to bring my account current, but my due date has still not been corrected.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute inaccurate information on my credit report, as provided by TransUnion. Under my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion conduct a thorough investigation into the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, it is imperative to ensure that the data provided by any Consumer Reporting Agency ( CRA ) to TransUnion complies with the FCRA, adheres to the Credit Reporting Resource Guide , and aligns with TransUnion 's business practices and policies. If the CRA, such as LCI, providing data to TransUnion is not in compliance with the FCRA, TransUnion 's compliance with FCRA could be compromised. 

I have diligently reviewed my credit report and have found the aforementioned items to be erroneous. I have enclosed copies of supporting documentation that validate my claims, including a letter from PACER and the accused courthouse. 
This inaccuracy is detrimental to my financial reputation and significantly hinders my home-buying experience. The erroneous information on my credit report has resulted in unfavorable terms and conditions from lenders, delaying or even jeopardizing my ability to secure a mortgage for purchasing a home. 
I have also documented every correspondence sent to TransUnion regarding these disputed items, along with proof of delivery. Despite these efforts, the inaccurate information persists on my credit report. 

I remind TransUnion of its obligations under the FCRA to ensure the accuracy and integrity of the information it reports. Failure to comply with these obligations may result in legal action. 

Therefore, I request that TransUnion promptly investigate these disputed items and correct any inaccuracies found. I also request that TransUnion provide me with a written explanation of the results of its investigation, along with a revised copy of my credit report reflecting any necessary corrections. 

Please be advised that I am fully prepared to take further action, including seeking legal remedies, if TransUnion fails to comply with its obligations under the FCRA. 
Thank you for your attention to this matter.
Consumer complaint received 2024-01-24
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. (MI)

This complaint is in regards to XXXX XXXX Account # XXXX open XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation
Consumer complaint received 2023-11-19
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. (TX)

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected XXXX. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-17
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)

I pulled a copy of my credit report with Equifax and noticed an account that was not originated by me and therefore must be deleted. This also is a violation of identity theft pursuant to 15 USC 1681c-2. EQUIFAX XXXX XXXX XXXX needs to be DELETED from my credit profile with EQUIFAX XXXX The other XXXX credit reporting agency 's, XXXX and XXXX show nothing for this fraudulent account. I also filed a FTC complaint for this erronious account : REF # XXXX.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

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 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 2023-11-19
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX XXXX and Experian or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX XXXX XXXX and Experian ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I pulled a copy of my credit report and noticed The following inquirys are fraudulent inquiry 's and NOT related to ANY account originated by me and must be DELETED immediately as a result of identity theft. Specifically, pursuant to 15 USC 1681c-2. I have filed a complaint with the Federal Trade Commission as well ( REF # XXXX ) The erroneous accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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. (GA)

I pulled a copy of my credit report and noticed The following inquirys are fraudulent inquiry 's and NOT related to ANY account originated by me and must be DELETED immediately as a result of identity theft. Specifically, pursuant to 15 USC 1681c-2. I have filed a complaint with the Federal Trade Commission as well ( REF # XXXX ) The erroneous accounts are as follows : TransUnion XXXX XXXX date XXXX TransUnion XXXX XXXX  date XXXX TransUnion XXXX XXXX  date XXXX TransUnion XXXX XXXX  date XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX date XXXX.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed bankruptcies on my credit report with XXXX, XXXX and Experian credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, XXXX and Experian has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was incarcerated at the time that these bankruptcy were filed.
Consumer complaint received 2023-11-20
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. (CT)

I recently downloaded my credit report on XX/XX/2023 to check my credit report and recognize that I had inaccurate information of hard inquires on my credit report which are unauthorize and I sent out the letters to the credit bureaus and they have failed to their part of removing that inaccurate information on my credit report can you please check it out.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
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. (VA)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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. (MO)

I looked at my credit report on XX/XX/2024, and notice some things are still incomplete and not accurate. Account are still not updated. According to the fair credit reporting act 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 the report relates 15USC 1681 ( a ) Accuracy and Fairness Of Credit Reporting.These Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


All disputes are authorized by me and sent by mailing service that I use, it is not illegal to use a mailing service. Transunion please investigate my specific dispute authorized by me attached below ( The Document attached is my dispute ). Read the whole documents fully. 


[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other Consumer reporting agencies on XXXX and Transunion. This account is inaccurate and incomplete ( Please see attachment first dispute attachment labeled XXXX below. 


[ XXXX XXXX XXXX ] Open date is not reporting incorrectly and not the same with XXXX and XXXX reporting, Balance is not correct and inconsistent with XXXX and XXXX ( The correct balance see attachment XXXX ) Date last activity is not correct and is inconsistent with XXXX and XXXX reporting, date of last payment is not correct and is inconsistent with XXXX and XXXX reporting. It's showing a balance. You can not report a balance on accounts charged off. 

The XXXX XXXX XXXX Balance is Incorrect. Please see the correct balance XXXX sent me. ( See attachment XXXX below ) [ XXXX XXXX XXXX XXXX ] This account is deleted and is not reporting on XXXX and XXXX report. I sent XXXX XXXX XXXX a Cease and Desist Refusal to Pay Letter ( See letter attachment below ). Transunion you are still the only one reporting this account. ( Please see attachment labeled XXXX ).
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00}.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Identity Theft has occurred and the credit reporting agencies are reporting indebtedness that is not mine and further noting addresses there are someone elses. I need these removed immediately as they impacting my credit and causing me emotional distress and financial hardship. I can not find work and have other issues which are are stemming as a result of this incident.