davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove this inquiry from my credit report 2. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Account was paid XXXXXXXX XXXX  XXXX Account Number : XXXX Update to paid as aggree 4. Contacted Creditor/Agency asked fXXXXr proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX XXXX Account NumbeXXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

5. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 

6. Account was paid and closed XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX  Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 

8. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA.
Consumer complaint received 2022-12-07
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. (AL)

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2024-04-03
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. (SC)

, I am writing to inform you of a concerning issue regarding my consumer profile and identity within your system. It has come to my attention that my personal information has been compromised, leading to unauthorized access and modifications to my account.Upon reviewing my consumer profile, I have noticed several discrepancies and inaccuracies that I believe are a result of this identity breach. It is imperative that immediate action is taken to rectify this situation and remove any disputed items from my report.I hereby request that all disputed items, which I can clearly identify as being a consequence of this identity hack, be promptly removed from my consumer profile. Additionally, I request that you provide me with a detailed account of the actions taken to enhance the security measures surrounding my account to prevent any future breaches.Furthermore, I urge you to conduct a thorough investigation into this matter to identify the source of the breach and take appropriate measures to prevent similar incidents from occurring in the future. The security of my personal information is of utmost importance to me, and I trust that you will prioritize this issue accordingly.Please confirm receipt of this letter and provide me with a timeline for when I can expect the resolution of this matter. I appreciate your prompt attention to this urgent issue and look forward to a swift resolution.Thank you for your cooperation.Sincerely, XXXX XXXX
Consumer complaint received 2023-08-20
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. (TX)

15 U.S. Code 1681i ( 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 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 This account needs to be deleted immediately!!!

This is my last written request for the inaccurate information to be delete by law.

I submitted my dispute for the removal of an innacurate account.The account is XXXX. The account IS also furnished by the same creditor so why is all the provided data different? It shows different date of last payment as well as late payments showing up until XXXX which isn't accurate on a charged off account. There are no more payments so why is it showing late payments still? By law the bureaus are required to report consistent and 100 % accurate and you have failed to do so.
Consumer complaint received 2023-04-05
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. (NE)

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 bureausmust check these items ( A ). It is unacceptable to list these items 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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. (IN)

I paid my XXXX truck payment on XXXX XXXX I paid my XX/XX/2023 truck loan payment early on XX/XX/2023, I paid my XXXX payment early on my truck loan with XXXXXXXX XXXX. I paid my XXXX payment on XX/XX/XXXX. 
XXXX is showing my payments as on time and no payments missed or late ever. I have had this loan for 2 years and have never been late or missed a payment. My payments are due the XXXX of the month. 
So, I paid my all my payments on time. 
I noticed a decrease in my credit score. It went down about XXXX points, from about XXXX and disputed it with both TransUnion and XXXX. XXXX still shows me at a credit score over XXXX The dispute response states they " assume my balance increased due to a possible missed a payment. '' My balance shows as going up from my prior double payment in XXXX. The balance goes down but they add interest. It just never shows up to the credit reporting agencies because of interest on the loan is buried in the balance due. 
I dispute their determination and have been severely penalized by their faulty rating system. All I did was make a payment one day early and their system decided inaccurately that I missed a payment. Their logic is faulty. My payment history is excellent on all my loans and bills. 
It seems unfair and unethical to drop my score by a very large amount without just cause. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Increased XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX automotive account balance increased by {$160.00} " It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. ''
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2022-12-07
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX  as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my credit report.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WI)

I had two XXXX XXXX  promotional balances on my credit card account. One ending in XX/XX/XXXX and one ending in XX/XX/XXXX. I needed to make a couple of large purchases ( totaling about {$12000.00} ) on this card, which would have been at the standard APR ( 25.24 % ). 

My understanding is that credit card companies are required to apply payments to the highest APR balances, so I made the purchases and then waited a few days for the transactions to post to my account. I then submitted a payment that covered my monthly minimum payment requirement AND the new charges so as to avoid paying interest on the new charges. 

When I received my next statement, the payment I made was applied to my XXXX XXXX promotional balances and I was charged interest on the new purchases. I am now told I will be charged interest every month at XXXX XXXX APR on the purchases unless I make another {$12000.00} payment.
Consumer complaint received 2017-05-19
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. (NY)

After wrongly being denied credit on  XXXX   XXXX ,   XXXX  , I requested a copy of my credit report from Experian. Rec 'd 1st report on  XXXX / XXXX /  XXXX   ( #  XXXX  -their  number ) which was full of incorrect info. Spoke to representative. Followed up with a ( return receipt requested {$5.00} ) mailing which included copy of my passport, homeowners insurance declaration and my request to remove/correct personal info. Rec 'd  2nd  report dated  XXXX / XXXX /  XXXX   ( #  XXXX   XXXX  incorrect phone number was removed BUT another incorrect  Residential  phone # with a New Jersey area code was added. Sent a complaint to CFPB, as there was no phone number included this time to reach a representative. CFPB notified me that complaint is closed as Experian responded. They responded but did nothing else, obviously, as today I received a  3rd  report dated  XXXX   XXXX   XXXX  #  XXXX   XXXX  which still contains that New Jersey number. When I wrote to them in  XXXX  I gave them my only  2 Phone # s, along with my passport and Insurance declaration . When I attempted to dispute this through their dispute website ( www.experian.com/disputes ) it would not accept it, telling me report # was required ( I copied it directly from this report ) nor when I entered my own personal information. Please note this is my 2nd complaint about the same thing re : the same company.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XX/XX/2023 XXXX Card XX/XX/2023 XXXX Bank XX/XX/2023 XXXX Bank XX/XX/2023 XXXX of XXXX XX/XX/2023
Consumer complaint received 2022-12-07
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: Bread Financial Holdings, Inc. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 fr purpose.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

there are inquires on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i did not authorize any of these inquires and i would like them to be removed
Consumer complaint received 2024-04-03
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-03
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

National Credit System was not fair with collection notifications of this debt before sending to credit bureaus. 
This debt collection company didn't follow fair credit act by not : I nor the joint named person on this account : XXXX. Didn't receive enough information to verify this debt. 
XXXX. Notification didn't disclose it was an attempt to collect this debt. 
XXXX. Didn't receive notice of right to dispute. 
The amount of {$6600.00}
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint against Experian regarding the presence of two illegal and false accounts on my credit report. I have recently reviewed my credit report and discovered that these accounts, namely XXXX XXXX ( account number XXXX ) and XXXX XXXX. XXXX ( account number XXXX ), contain significant inaccuracies and are intentionally missing important information. 

Firstly, both accounts are illegally reporting false information, misleading both myself and potential creditors who may access my credit report. This not only damages my creditworthiness but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, these accounts lack essential information such as a business address or point of contact. This deliberate omission makes it extremely challenging for me to dispute the accounts or identify the actual company responsible for reporting these illegal accounts. It appears to be a deliberate attempt to hinder my ability to rectify the situation and protect my credit. 

I insist that Experian takes immediate action to address these issues by : Removing the two illegal and false accounts from my credit report. 
Ensuring that my credit report accurately reflects my credit history and does not contain any misleading or fraudulent information. 
Including the complete and accurate business address and point of contact for any reported accounts, allowing me to appropriately address any future disputes or inquiries. 
Failure to rectify these issues promptly and satisfactorily will leave me with no choice but to take further legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I have enclosed a copy of my credit report highlighting the aforementioned accounts for your reference. It is crucial that Experian undertakes a thorough investigation and resolves these discrepancies in compliance with the FCRA. 

I expect to receive a written response from Experian within 30 days of receiving this complaint. Failure to respond adequately or address the concerns outlined in this letter may result in legal action to seek remedies for the harm caused, including but not limited to, damage to my credit, emotional distress, and violation of consumer protection laws. 

Please be aware that any communication or information received from Experian regarding this matter will be retained as evidence for potential legal proceedings. 

Thank you for your immediate attention to this matter. I trust that Experian will take swift action to rectify the inaccuracies on my credit report and ensure compliance with the FCRA. 

Sincerely,
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (NE)

On XX/XX/2021, I applied for a Discover It card using a referral code from my brother in law. I then received the card on XX/XX/2021. I attempted to activate it per the instructions mailed with the card, but was told that I would have to call to activate. Once I called the listed phone number, I was told to upload 3 bank statements and sign a document ( 4506 C ) to verify the account. I did as I was instructed. 
On XX/XX/2021, I received an email that said Discover needed to speak with me about important info for my account. I called and was told that only 2 bank statements were actually received even though I made sure to upload three. I uploaded the remaining statement as instructed. 
I then received an email on XX/XX/2021 that notified me that Discover had closed my account effective immediately due to Discover being " unable to verify personal information '' on my account. I have not received any more explanation as to why the account was closed.