davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX unauthorized fraudulent accounts where opened XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX XXXX  XXXX opened XX/XX/XXXX balance XXXX $ unauthorized inquired include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Fraudulent address linked to fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-13
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. (IL)

I continue to have to dispute the following accounts over and over again. The following accounts were included and XXXX in a XXXX XXXX Bankruptcy in XX/XX/XXXX : XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with a balance of {$24000.00} on XXXX and Experian, even though both credit bureaus have records of the the previously reported correct information. This most recent addition of the incorrect XXXX account information costs me a XXXX loss from my credit score. This has happened before. 

XXXX XXXX XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with no status as an Other Account on XXXX and Experian, even though both credit bureaus have records of the the previously reported correct information ( XXXX in XXXX. XXXX ).
Consumer complaint received 2024-04-19
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)

I HAVE ALSO FILED A COMPLAINT WITH THE FTC. THE CASE NUMBER IS AS FOLLOWS : XXXX  I am writing to dispute late payments listed on my credit report and change to PAID AS AGREED/NEVER LATE because Credit Reporting Agency 's have violated my Consumer Rights under 15 U.S. Code 1666b - Timing of payments. 

The erroneous account is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I didnt give them written permission to report this information, which is a violation of 15 USC 1666b .

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge which your agency can not furnish proof of it and needs to be CORRECTED TO PAID AS AGREED from all consumer reporting!. 
The creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX days before the payment due date and you have failed to provide this which is hindering my chances of purchasing a home and I dont want me and my family to be homeless and left on the street with my kids. 
I have suffered extensive emotional distress over this violation or my consumer rights. I am demanding that you CORRECT the above late payments from my consumer report AS PAID AS AGREED AND NEVER LATE!. 
You have 14 days to respond upon receipt of this letter to CORRECT the referenced items AS PAID AS AGREED AND NEVER LATE and send me a new letter notifying me that the information has been CORRECTED TO PAID AS AGREED from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2023-12-27
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-27
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. (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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I used a mortgage broker ( XXXXXXXX XXXX  ) to refinance my home in XXXX In the process, my mortgage broker told me not to pay my mortgage payment to make sure the numbers on the refinance paperwork are correct. I voiced my concerns about a late payment. The mortgage broker stated that I had nothing to worry about because the payoff payment would not be past 30 days. I believe that the mortgage broker failed to act in a timely manner, therefore causing XXXX XXXX loans to submit a negative report to the credit reporting agencies. I have had a late payment on my credit report for over 3 years now. I have tried repeatedly to get the companies to correct their mistake with zero results. The negative report, that was not my fault, has damaged my ability to get the financing that would be available if not for the inccorect report. Please help me get this resolved.
Consumer complaint received 2023-12-27
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint against XXXX, XXXX, Equifax for violating the Fair Credit Reporting Act ( FCRA ). I believe that inaccurate information is being reported on my credit report and I am requesting that this information be removed in accordance with the FCRA laws. 

I have recently reviewed my credit report from XXXX, XXXX, Equifax and have discovered that there are several late payments listed that I believe to be inaccurate. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to change the payment due date over the phone and never did so, resulting in an error.They agreed to remove the late payment. 

XXXX XXXX also needs to be removed as this reporting is unlawful. 

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score. 

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX, XXXX, and Equifax but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, XXXX, and Equifax have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 
623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, XXXX, and Equifax take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, XXXX, and Equifax fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

As the XXXX bureaus have not done a lawful job of investigating, I need these accounts removed. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items 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 removed :
Consumer complaint received 2023-12-27
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX Original Creditor : XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/23 I maid a payment in full to my Ulta Beauty Credit Card ( Comenity Capital Bank ). My account had a previous balance of {$170.00}. I made that payment in full expecting no more fees or payments on this card. Unfortunately, on XX/XX/ they charged me a " minimum interest fee '' instead of the regular interest charged. My billing statements show this as a " Fee Charged '' instead of " Interest Charge '' Every month after that, they have charged a " minimum interest fee '' plus a late fee because of this hidden fee that I did not know to pay. This morning ( XX/XX/ ) I received and email from them telling me my account was delinquent and that I need to pay the card. I called their customer care number and ended up paying the card again which had accrued a balance of {$30.00} in the last 3-4 months from " minimum interest charges and late fees ''. I also asked them to close my account. They did tell me I need to check my account again for any interest they may charge in the meantime. 

This " minimum interest fee '' had not been charged on any statements prior to paying off the full balance on my card. 

Comenity Capital Bank is charged me interest fees despite the card being paid in full. I do not want to do business with them again.
Consumer complaint received 2023-12-27
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. (TX)

On XX/XX/2023, I sent out XXXX letters to have these inquiries removed but I once again reviewed my credit report and found the same unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 it.
Consumer complaint received 2023-06-13
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. (GA)

I do not recognize how this account is reporting on my credit report. 
I dont recognize the account number nor do I recognize the account status. 
I dont recognize the Acc balance. Everything here doesnt meet FCRA
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-27
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. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2023 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-20
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. (DC)

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 issues from above.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme frustration and ANGER about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. I am a victim of identity theft and I have been working diligently to resolve the issues that have arisen as a result. I am very disappointed that your bureau has not taken the necessary steps to assist me in this matter. I have already contacted the other credit bureaus and they have removed the accounts that were fraudulently opened in my name. I can not understand why your bureau is not complying with the law and removing these accounts as well. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am extremely ANNOYED that I have to go through this experience and I demand that it be resolved immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-27
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( XXXX ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX  and the Account number is XXXX should not still be showing up on my credit report. This account was open XX/XX/XXXX and the date of the last activity showing is XX/XX/XXXX. This account is way of the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you XXXX XXXX