davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (CA)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2023-08-19
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-21
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. (IL)

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still haven't received any responses. 

Initial dispute XX/XX/2021
Consumer complaint received 2023-08-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed 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
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

They are not trying to remove the inquires. and they are violating my consumer rights. reached out to them numerous of times and received no response. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719 I PRESUME THATNO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2023-08-03
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. (GA)

I sent dispute letters to XXXX, XXXX, and Equifax disputing inaccurate personal information and inaccurate accounts reporting to my credit report. These letters were sent out on XX/XX/2023 and the letters were received by the bureau by XXXX XXXX. I never received any response from neither credit bureau. I have attached all the dispute letters to my complaint.
Consumer complaint received 2024-04-02
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-08
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. (NY)

I have a loan with XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The TransUnion Credit Bureau is required to verify for themselves, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but they failed to neither verify nor update me about this complaint. Please update or correct the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-08-19
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. (CA)

It has been drawn out into the fraud that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
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. (CA)

I submitted a letter to the XXXX Credit Bureau last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (MD)

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-08-19
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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Consumer complaint received 2023-08-19
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. (MA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$4700.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report has incorrect, and incomplete personal information which makes it hard to apply for credit or even open new accounts. This is frustrating because this is my 3rd time sending a letter to update my personal information and no action has been taken! It is imperative to address the persistent issue of inaccurate and incomplete personal information on my credit report, hindering my ability to pursue credit applications or open new accounts with confidence.
Consumer complaint received 2023-08-19
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. (OR)

EXPERIAN CREDIT BUREAU. 
I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to Section 605A of the 15 U.S Code 1681C-1, I am entitled to a fair and accurate credit report. However, after reviewing my credit report, I have identified the following errors : Account name XXXX XXXX XXXX Account number XXXX Recent balance {$390.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$390.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$210.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$490.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$490.00} written off. 
{$490.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$22.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$22.00} written off. 
{$12.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$450.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$450.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$660.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$660.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$1100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account {$1100.00} past due as of XX/XX/XXXX. 

These errors are negatively impacting my credit score and ability to obtain credit on fair terms. I request that you investigate these inaccuracies and correct them promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with a free copy of my credit report. Additionally, I request that you provide me with a written explanation of the actions you have taken to investigate and correct these errors. 

Please note that under Section 611 of the FCRA, you have 30 days from receipt of this dispute letter to investigate and respond to my dispute. If you are unable to complete the investigation within 30 days, please inform me of the delay and provide an estimated timeline for completion. 

Furthermore, under Section 605A of the FCRA, I request that you notify all other credit reporting agencies of my dispute and provide them with a copy of this letter. 

Thank you for your attention to this matter. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2017-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (CA)

-On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the back up in our toilet- -We found an ad behind the XXXX XXXX telephony book for drain cleaning @ $ XXXX -When XXXX XXXX  came to clear the drain ; they did so for free and told us it was not a sewer problem- -later they insisted we get an inspection completed to look at our sewer- -XXXX XXXX claimed I had cracks in my sewer -I was told by XXXX XXXX my home owners insurance would not cover the expenses and if the city found out about the cracks in my sewer they would charge me up to $ XXXX -XXXX XXXX offered to complete the work for $ XXXX -Out of fear & circumstances I consented but did not know what I was consenting to- -I am an elderly XXXX veteran ( XXXX XXXX ) & was made to sign many documents via a tablet ; I was unaware and confused of what I was signing- -I was made to receive a loan from XXXX XXXX through Wells Fargo Bank to pay for the plumbing services I am not certain I needed- -I am on a fixed income and a XXXX man- -The financing loan was for {$11000.00} and XXXX XXXX  was still charging up to {$22000.00} for the job- -Victim received a credit card with the Wells Fargo logo that has XXXX XXXX written across it-
Consumer complaint received 2023-08-19
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. (MA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$4700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-19
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. (MI)

This is my 19th 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 XXXXXXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2023-02-14
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: Resurgent Capital Services L.P. (GA)

I have called and sent disputes for something that has adversely affected my credit. A XXXX XXXX  ( 2nd time they gave a credit card in my name out without my actual authorization, in XXXX credit card. I called XXXX and they said it was XXXX Bank again. I did not ever authorize this. I only have 1 credit card and have never been late on it.
Consumer complaint received 2023-08-19
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. (MI)

This is my 19th 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 XXXXXXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2018-04-27
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: CITIBANK, N.A. (TN)

My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX  recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
Consumer complaint received 2023-08-17
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} ; XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance Owed : {$560.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1100.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX