davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX has fixed the transaction history that was illegally reported per the privacy act, but failed to fix the inaccuracies on the report including labeling the account as " Repossessed/Never Late '' but did not remove the transactional dates either. On trans union, it states that the payment is XXXX and XXXX states XXXX with a balance owed of XXXX which neither of those payment amounts line up to that balance. This company has harassed me, stole a vehicle to which i hold a lien to title as well as the title, has harassed my family, employer and friends. This account is to be removed, and this company is to halt all harassment immediately. 

Attached is proof of inaccuracies including dates " missed '', inaccurate payment amounts, inaccurate, name and address reporting, inaccurate APR and falsely reporting a repossession on my credit report. 

This is to be fixed across all credit reporting agencies immediately. 

Also, after illegally removing the vehicle from my possession CAG has not provided me with a letter of intent, which i have provided them with notice of default, as well as intent to cure, both of which i have received no response too.
Consumer complaint received 2023-07-21
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. (NV)

This account recently appeared on my Credit report. It states that is an account over 6 and a half years old yet it just recently shows on my credit report. According to 15 U.S. Code 1679c, this account must be removed immediately.

The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing. 

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have submitted an employment certification form to qualify for public service loan forgiveness multiple times, and Fedloan Servicing refuses to process this form. I submitted it in XXXX, XXXX, and again in XXXX, and they do not update my payment count. I have messaged and emailed them repeatedly, and they do not update my payment count.
Consumer complaint received 2023-07-21
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2016-05-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retail Merchants Associates (LA)

I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

On the Date of XX/XX/2023, Affirm reported that I had an account open that was already paid off but they reported as late, No big deal tried to dispute it but Affirm marked the information as correct. Then on XXXX XXXX 2023 They marked the account as 60 days past due even tho affirm themselves when called had said the account had already been paid off - This dropped my score over 125 points with no reconciliation
Consumer complaint received 2023-05-14
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. (PA)

To Whom it may concern i submit a dispute On XX/XX/2023 in regard a dispute i send earlier on XX/XX/2023, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau (MI)

I keep getting harrassing collection calls on my cell phone for someone I have never met and when I tried to call the company to correct this i got a very profain recorded message and then they hang up. The only thing I know is thier phone number is XXXX.
Consumer complaint received 2023-05-14
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. (PA)

In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 customer 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 customer to any custom reporting agency if the person knows or has responsible calls to believe that the information is Inaccurate.
Consumer complaint received 2024-06-06
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)

This complaint is against XXXX XXXX XXXX Account # XXXX. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA, FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. XXXX XXXX XXXX Account # XXXX I have never done business with XXXXXXXX XXXX XXXX Account # XXXX delete this from my consumer reports. I am also questioning the account balance lIsted own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of XXXX XXXX XXXX Account # XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. past due ''? have never opened an account with XXXXXXXX XXXX XXXX Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX XXXX XXXX  Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE IMMEDIATELY
Consumer complaint received 2023-05-14
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. (LA)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXXay be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Consumer complaint received 2023-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I tried to fix the last payment with XXXX XXXX XXXX report on Equifax say it's on the XXXX say it on the XXXX and Equifax say it on the XXXX and XXXX XXXX stopped reporting to the Equifax. I just want to fix the reporting Fair Credit Reporting act 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
Consumer complaint received 2022-12-24
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. (MI)

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX : Account numberxxxxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXXXXXX XXXX XXXX : Account numberxxxxxxxx XXXX
Consumer complaint received 2023-06-29
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. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Emmett L. Goodman, Jr., LLC (GA)

This debt has already damaged my credit report and public record. I deny owing XXXX {$910.00}. The original credit limit was approximately $ XXXX {$300.00}. 

The reason for non-paymen was I lost my job and could not collect unemployment benefits which I did file for, but were denied. I am now on fixed benefits with no other income. With the raging pandemic and struggling to make ends meet, I just can not afford any payments.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-06-06
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. (MA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-06-29
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. (VA)

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 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 2024-03-22
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. (DE)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-06
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. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-06
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-29
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. (TN)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00}