davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Exeter Finance, LLC. (FL)

Everyone knows that recent late payments can be challenging to remove from your credit file. This letter has been designed to request a goodwill removal and can be tailored to address your own unique situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear Customer Relations : This letter is in reference to a late payment with the account number Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I reviewed my Transunion credit report and noticed that there were unauthorized inquiries being reported. 

I wrote to Transunion on XX/XX/XXXX via certified mail ; requesting that they please investigate these unauthorized inquiries.

Transunion responded with a one page letter, literally belittling my letter that I wrote to them. I was very offended to have an organization such as Transunion to tell me that I do not know how to write letters and that it was a " third party '' that I didn't properly authorize this. 

Who are they to be condescending of someone that they do not know, have never met, or know who I am? ( Please see this rude letter! ) I then write to Transunion again, on XX/XX/XXXX, in a more " Simple '' manner, to help them understand the consumer law which state the Rules of Construction on Unauthorized Inquiries. 

To this date, XX/XX/XXXX, Transunion has neither responded or sent information that they invesitgated my disputes. 

I think that they may feel above the law and do not have to adhere to such disputes.
Consumer complaint received 2023-09-29
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. (MA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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
Consumer complaint received 2023-01-09
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. (CA)

The information reported by my Mortgage company to Transunion is inaccurate and it needs to be corrected it has been more than a year and a half. the XXXX XXXX  which I have had a mortgage with them they since XX/XX/XXXX since XX/XX/XXXX XXXX XXXX  never reported my payments accurately in the present and in past due to negligence in applying payments to the account. in the year XXXX, I called them more than XXXX times to reply to payments because they assigned it to the wrong accounts. Since I have open the account I have had XXXX late payments because they never apply the checks I sent on time when i send them and they report me as late. also, they so report to XXXX but they stop reporting to TransUnion which has caused me to lose a lot of points on my credit score and disqualified me from being approved to apply for a mortgage.

the account shows the wrong balance on my report. I have called the bank many times and they disregarded my calls. I have called transuion also and they refused to do anything about it and told me to discuss it with the bank. I just can't figure out what I need to do. 
I think this is unfair and against my fair credit. I want this account to be accurate and updated to show the correct information. 
Thank you
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX experian XXXX XXXX  i need all closed accounts and inqurys remove from my report and statements remove as well i am not in the military and never have been i need old address remove
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I opened a XXXX XXXX account with XXXX. I opened it through solictations from XXXX. They never reported to the credit bureaus as being late. Yet that charged me off and show my account listed as XXXX not XXXX. I am not liable for this debt my company is. XXXX XXXX XXXX. please help me get this off my personal credit report. Thanks
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX I have XXXX XXXX on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. XXXX XXXX keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof
Consumer complaint received 2023-10-02
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. (SC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX XXXX XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
WXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
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)

According to my recent credit report request from XXXX, XXXX, and Experian and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX  I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in XXXX  days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT XXXX [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNVERIFIED PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX & XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE REMOVE ALL FRADULENT INQUIRES : BENEFICIAL DATED XX/XX/XXXX XXXX XXXXXXXX : DATED XX/XX/XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ALL WERE CREATED BASED ON FRAUD AND POLICE REPORTS WERE SUBBMITTED.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (NH)

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX   XXXX {$2100.00}
Consumer complaint received 2023-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-11
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. (LA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (MI)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

-received email communication on XX/XX/2023 for {$2800.00} -received additional email communication on XX/XX/2023 for {$2800.00} - sent debt dispute on XX/XX/2023 requesting all documentation and a ledger that reflects all charges through time. Requested no further communication through email and all correspondence through USPS, informed them that my consent was never given - received additional email communication on XX/XX/2023 for {$2800.00} - received additional email communication on XX/XX/2023 for {$2800.00} - called XX/XX/XXXX to remind them I had disputed and need the documents. Was informed they were attached to XX/XX/XXXX correspondence. Its not a ledger, but a list of charges with no dates or information. Was told they would not respond via USPS and they were treating it as a cease and desist since I refused email and thats the only correspondence they do.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (LA)

NATIONAL CREDIT SYSTEM REFUSEL TO SEND ME THE ORIGINAL LEASE AGREEGMENT I CO-SGINED ON LEASE ONE YEAR FOR MY DAUGHTER WHEN SHE WAS IN COLLEGE STAYING XXXX XXXX XXXX THE LEASE WAS PAID AS AGREE AND PAID OUT IN FULL ADVANCE FOR ONE YEAR. ALSO XXXX XXXX XXXX NO LONGER IN BUISNESS. I NEVER CO-SIGNED LEASE AGREEMENT WITH XXXX XXXX XXXX XXXX. I HAVE REQUEST FOR THE ORIGINAL LEASE AGREEMENT FEW TIMES TO BE SENT ME I NEVER RECEIVED.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX [ Subject : Complaint Regarding Inaccurate Credit Report Information ] Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding multiple inaccuracies present on my credit report. The discrepancies pertain to various aspects including account numbers, payment history, and balances, which are significantly affecting my creditworthiness and financial standing. 

Below, I outline the specific inaccuracies found on my credit report : Incorrect Account Numbers : Several accounts listed on my credit report contain inaccurate account numbers. This discrepancy makes it challenging for me to properly identify and address these accounts. 

Inaccurate Payment History : The payment history associated with certain accounts is misrepresented. For instance, there are instances where timely payments are marked as late or missed payments, negatively impacting my credit score and financial credibility. 

Incorrect Balances : The balances reported on some accounts do not align with the actual balances. This misinformation leads to an inaccurate assessment of my overall debt and financial obligations. 

These inaccuracies are not only detrimental to my creditworthiness but also undermine my ability to access financial products and services on fair terms. Despite repeated attempts to address these issues with the credit reporting agencies, the inaccuracies persist, indicating a systemic problem that requires intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the bureau to hold the credit reporting agencies accountable for their failure to ensure the accuracy of the information they report. 

Enclosed with this letter are copies of my credit report highlighting the inaccuracies for your reference. Please do not hesitate to contact me if further information or documentation is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (FL)

I am writing to dispute a charge of {$430.00} to my credit report on XX/XX/XXXX and XX/XX/XXXX. The Charge is in error because it should be paid and covered fully by my college insurance. 

XXXX XXXX urgent care works with my college insurance which is XXXX XXXX student insurance. I provided my insurance info to the medical service and reconfirmed the full coverage with insurance. Those collections should have been fully covered by college insurance.
Consumer complaint received 2023-06-21
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} and XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$4500.00}
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (AL)

My debt was originally with XXXX but sold to SST around XX/XX/XXXX. I received {$1500.00}. I made payments starting XXXX of XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from SST of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. SST has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.