davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is a result of identity theft. I tried fixing the issue multiple times as this complaint was marked as a duplicate and is not a duplicate. Please attach the duplicate file if deemed as a duplicate so I have for my records. I discovered through my new monitoring service this account being reported I made efforts to remove this account on my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-04
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)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
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: EQUIFAX, INC. (NC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX  : {$2200.00}
Consumer complaint received 2022-11-09
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)

I have written XXXX and XXXX and Transunion regarding errant accounts with many inaccuracies on my credit report many times asking them to investigate these accounts to make sure they are Verified and Accurate, each time they come back as Verified as Accurate, However I keep seeing many inaccuracies and mistakes which is not allowed by FRCA. I have also attached just some of the investigation results as there is too many. No matter how I try to resolve these inaccuracies these accounts still appear, which I have now learned is a direct violation of my rights. 

These several accounts are Highly Incorrect and Errant and these accounts were verified as accurate after many investigations ( unlawful ). 

However, I have a few questions for the bureaus : How did these bureaus complete their investigation? 
Did they talk to my neighbors, friends, family, etc as per law in the FCRA? If so, please inform me of the person who completed this investigation and a FULL description of the investigation within 15days or less. One more thing, I was reading the FCRA and noticed they violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and the Time to correct these accounts has long passed. Please see attached Credit Reports as reference of all the inaccuracies which is NOT allowed by FCRA, my report must be 100 % accurate. The inaccurate accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after their investigations. 

I have also attached proof of all my certified mailings to the credit bureaus, not including the mailings to each creditor. I have also notified my state attorney general of the wrong doing to my person. 

Please have them Delete all the above states accounts right away, and keep them from coming back in my credit report.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Auto Acct # XXXX, XXXX Acct # 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
Consumer complaint received 2023-04-06
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 (MD)

Affirm is reporting that the loan is still open and that I still owe them when I in fact paid the account in full. I tried to get the account disputed but I affirm did not dispute it. Due to this I lost XXXX points to my credit score.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

My XXXX credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. XXXX said they mailed me a letter however, I did not receive them and then my area was severely hit by XXXX XXXX. 
I spoke to XXXX regarding this problem and paid the credit card off immediately. I have spoken to XXXX several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
XXXX told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to XXXX.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint to dispute and request the immediate removal of a fraudulent account from my credit report. I have filed a dispute, citing identity theft, and have contacted the bank associated with the account. 
The bank has verified the authenticity of the identity theft report and recognized a potential system glitch hindering the access to records. They have guaranteed the prompt removal of the fraudulent account, which has been in existence for over 7 years. 
XXXX XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. XXXX said they mailed me a letter however, I did not receive them and then my area was severely hit by XXXX XXXX. 
I spoke to XXXX regarding this problem and paid the credit card off immediately. I have spoken to XXXX several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
XXXX told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to XXXX.
Consumer complaint received 2023-04-21
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: Resurgent Capital Services L.P. (FL)

On XX/XX/2020 I made a payment by check of {$97.00}. I enclosed a copy of the payment. 
Original creditor : XXXX XXXX owner : LVNV Funding LLC The tradeline reported by : Resurgent Capital Services Can you please remove this potentially negative item off my credit report.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

FOR XXXXXX/XX/XXXXXX/XX/XXXX FOR EXPERIAN XX/XX/XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FOR TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
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. (NC)

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 Account Number : # XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
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. (GA)

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 XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX & XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX  XXXX bankruptcy dismissed Reference Number 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 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm attaching a copy of a Transunion Credit Report which contains multiple inaccuracies and errors for several accounts that were never mine in the first place. 
XXXX XXXX XXXX # XXXX shows 30 days late payments XXXX and XXXX. It is impossible to be 30 days late 2 consecutive months. 
XXXX XXXX XXXX # XXXX states last payment received XXXX in the amount of {$540.00} but has an X for unknown in the payment history for XXXX?? 
XXXX XXXX # XXXX XXXX XXXX XXXX received XXXX for {$100.00} yet the payment history shows current for XX/XX/2022?? 
This is egregious and definitely continues to violate my consumer rights under the Fair Credit Reporting Act
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX claims I missed a lease payment but that is incorrect. The last lease was due on XX/XX/2022. I made the payment on time and then returned the truck on XX/XX/XXXX, on time. Turned over the keys at that time. I have record from my bank showing this payment. My credit report shows that payment.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXX XXXX  XXXX  XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX. XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.