davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

The account for an auto loan with XXXX XXXX XXXX XXXX is reporting as a negative account with Innovis, but reporting current and never late with XXXX, XXXX and with the bank itself. Why is Innovis continuing to cause me to suffer by not properly verifying data as requested to insure that it is correct? This has had a major effect on my ability to obtain the credit that I need, due to Innovis lack of conducting proper investigations. Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation. This is the only reporting agency that continues to report this account as negative. Why?
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to address serious concerns regarding the inaccurate reporting of my financial transactions and experiences to consumer reporting agencies, as well as the violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2. 

Upon reviewing my XXXX, Equifax, and XXXX consumer reports, I discovered that XXXX has reported a some late payments. However, this reporting is in clear violation of the FCRA. According to 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports do not include information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity making the report ( XXXX XXXX ). 

The law explicitly states that transactions or experiences between the consumer and the reporting entity are not to be included in consumer reports. Therefore, the reporting of a late payment directly contradicts this provision of the FCRA. As such, you have violated the FCRA 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2 by inaccurately reporting this transaction on my consumer report.

Furthermore, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. It is prohibited to furnish information if the person knows or has reasonable cause to believe that the information is inaccurate. By reporting a late payment when no such transaction occurred, you have knowingly provided inaccurate information to consumer reporting agencies.

I am formally putting XXXX XXXX on notice that the continued reporting of this inaccurate information constitutes a direct violation of the FCRA and your responsibilities as a furnisher of information. You have caused significant harm to me and my family through your negligent and inaccurate reporting.

Therefore, I demand that you immediately delete the erroneous late payment from my consumer reports within after receiving this notice. Failure to comply with this demand will result in legal action being taken against your company. I will seek actual damages for the harm caused by your failure to comply with the law, including but not limited to defamation of character, negligent non-compliance, civil liability, mental anguish, and violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) .Furthermore, if the late payment is not deleted within the stipulated timeframe, I will pursue arbitration to resolve this dispute. I reserve the right to pursue all available legal remedies to address this matter.

Do not send me any correspondences regarding this matter unless it is to confirm that you have complied with the applicable law and deleted the inaccurate late payment from my consumer reports.

I expect prompt and satisfactory resolution to this matter.
Consumer complaint received 2024-10-22
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$340000.00} XXXX XXXX  XXXX XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1500.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Consumer complaint received 2024-10-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (PA)

The vehicle was involved in an accident and the bank did receive a payment XXXX from the insurance company Equifax has invalida information on my credit report stating that the debt is still owed please have them update my profile this is hurting my report
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (MS)

I have noticed incorrect inquiries on my credit report under 15 USC 1681c-2, which were not authorized. These are affecting my credit score, so I request the removal of all unauthorized hard inquiries. Thank you.
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
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. (MD)

I issued XXXX Letters to the agencies and they did not send proof of validation or investigate the accounts or inquires not authorized by me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I used to think the economy was bad, but after seeing my credit report, its clear whats really worse the errors that are tanking my credit score. It's beyond frustrating to deal with all this incorrect information, and its causing me serious stress. As a consumer, I have the right to an accurate report, but instead, I'm stuck in this mess. Its ironic, too, because Id probably need therapy for the stress, but I couldnt even pay for it since my cards would get declined thanks to these wrong details on my report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

It appears that my credit report contains two different versions : 1. What is visible to me ; 2. What is visible to Equifax. 
According to Equifax ( report that is visible to me on my end ) I have no collections, no delinquent accounts and no debt ), however, it appears that Equifax contain completely different version of my report that delinquency, late payments and negative information that affects my credit score and my well-being.

Same account that is reported in good standing and visible on my end has negative ( and/or ) collection status visible to Equifax and other merchants.

When I requested explanation as to why there is such a discrepancy in information being reported and information visible to me I had no answer.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft and my personal information was compromised in the Equifax data breach. As a result, the following fraudulent accounts and public records have been erroneously reported on my credit profile. The continued reporting of false and unverifiable information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

These unauthorized names and addresses must be removed from my credit report immediately. Failure to do so violates FCRA 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate and fair reporting.

In accordance with FCRA Section 611 and FDCPA Section 809, I demand the following : Debt Validation : Provide original signed agreements and complete account statements proving your right to collect these debts.

Verification of Reporting Accuracy : Provide records confirming the accuracy and authorization of these debts and public records.

Immediate Removal of Inaccurate Information : If you can not validate these accounts and the bankruptcy, they must be removed from my report immediately.

Cease Reporting and Collection Activities : Further collection or reporting on unvalidated accounts will be treated as willful violations of the FCRA and FDCPA.
Consumer complaint received 2023-01-07
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-21
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. (MN)

I need clarification as to why Equifax is reporting certain information on my credit report. 

Account XXXX XXXX XXXX Acct number XXXX, Creditor XXXX I am aware according to section 604 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me the documentation otherwise delete this unverifiable account from my credit. 

After you have finished my request, send me a copy of my credit report with these changes.

U.S. Code 15 U.S.C 1681 ET SEQ. 604 of Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
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. (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.

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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I keep putting in complaints because I am the victim of identity theft as you can see in the attached documentation thats below XXXX  XXXX SENT ME A LETTER SAYING A CARD WAS OPENED FRAUDULENT PLEASE REMOVE IMMEDIATELY I GOT A COPY OF MY CONSUMER REPORT AND STILL SEE XXXX  XXXX REPORTED ON MY REPORT I ALSO PUT A COMPLAINT ABOUT XXXX XXXX LATE PAYMENTS AND ITS AGAINST THE LAW TO HAVE SOMETHING NEGATIVE REPORTED THAT I DONT WANT THAT INFO SHARED NO WHERE PUBLICLY WITH OUT MY CONSENT
Consumer complaint received 2024-10-21
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. (PA)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
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 am writing to file a formal complaint against TransUnion for their failure to accurately report my credit information, resulting in an unjustified drop in my credit score. Specifically, my credit score with TransUnion dropped by XXXX points following the administrative transfer of my home mortgage from one servicer to another. This change in mortgage servicers had no bearing on my creditworthiness and should not have impacted my credit score. 
I believe that TransUnion 's actions violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of consumer credit information. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. In this case, TransUnion failed to do so by allowing an unjustified drop in my credit score due solely to the change in mortgage services, which is unrelated to my financial behavior. 
Upon noticing the drop in my credit score, I promptly initiated a dispute with TransUnion as per 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information on their credit reports. Despite submitting a formal dispute and providing relevant documentation, TransUnion failed to correct my credit report or provide a valid reason for the drop in my score. This is a clear failure of TransUnion 's obligations under the FCRA to conduct a reasonable investigation and correct inaccurate information within the required timeframe. 
As this error has caused unwarranted damage to my credit score, it has negatively impacted my ability to secure favorable financial terms in the future. I believe this represents a significant violation of my rights under the FCRA, and I am requesting the Consumer Financial Protection Bureau to take the following actions : 1. Investigate TransUnion 's failure to ensure the accuracy of my credit report and their inadequate handling of my dispute, as required by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 
2. Restore my credit score to its appropriate level, reflecting my accurate creditworthiness and payment history. 
3. Hold TransUnion accountable for any violations of the FCRA and take appropriate corrective actions. 
I have attached all relevant documentation, including the TransUnion response to my complaint, evidence of my mortgage servicer change, and the resulting drop in my credit score. 
Thank you for your attention to this matter. I look forward to your assistance in ensuring that TransUnion complies with its legal obligations under the FCRA, and that my credit report is corrected to reflect accurate information.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (FL)

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (IL)

Opp Loans, has failed to apply my loan payment in a timely fashion. 
-They have failed to notify me of the option to make payment on holiday, not including the most recent email I received asking me if I wanted to. 
-They are not calculating my interest correctly, they are counting the beginning and ending dates multiple times. 
- The fail to provide me with accurate information on my loan, interest, and days counted for that interest. 
- When I refinanced the loan, they failed to tell me that my first payment would not be applied to my interest or principal. 
- I've called several times on these issues with no result, and when asked for a supervisor or manager the line is disconnected or I'm refused.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (WV)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.