davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and deleted for erroneous reporting in my file 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
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX is a TransUnion affiliate that is reporting a bankruptcy to TransUnion and TransUnion has reported this bankruptcy On my credit report and they have put in the date of furniture that the US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXXXXXX DIVISION which is false, attached is a copy of a letter from the US BANKRUPTCY COURT XXXX XXXX OF XXXX XXXXXXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. XXXX is falsely stating this information to TransUnion and TransUnion is show this falsely information on my credit reports and have yet removed this information from my credit report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/23 I wrote a dispute to the 3 major credit bureaus XXXX, XXXX, and Experian. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.
Consumer complaint received 2023-09-17
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX PA XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Transunion, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/23 I wrote a dispute to the 3 major credit bureaus TransUnion, XXXX, and XXXX. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX  XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX PA XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-05
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)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXX/XX/XXXX, CA XXXX XXXX PA XXXX XXXX XXXX Balance : {$21000.00} ; XX/XX/XXXXXXXX Balance : {$8300.00} ;XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$2600.00} ; XX/XX/XXXX XXXX Balance : {$160.00} ;XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-05
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. (CA)

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Tried sending {$400.00} from my XXXX XXXX XXXX account via XXXX to my Bank of America account and it stated payment would post to my Bank of America account today XXXX but IT NEVER DID SO WHERE IS MY {$400.00} at then!!!!????
Consumer complaint received 2022-12-09
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. (AZ)

I am intrested in disputing all unauthorized information on my credit report with Equifax. alot of information is not accurate on my 3 credit reports. this is hendering my file for approvals an accurate information. please update
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

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 2023-04-21
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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 an 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 for any purpose.
Consumer complaint received 2023-10-05
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: NAVY FEDERAL CREDIT UNION (CA)

My credit report is showing late payments to NAVY FCU XXXX, NAVY FCU XXXX, XXXXAVY FEDERAL CR UNION XXXX, and NAVY FEDERAL CR UNION XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NAVY FEDERAL 's customer service representative.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (MI)

I sent a letter to XXXX and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The collection agency, Portfolio Recovery Associates, has engaged in false and misleading practices violating FDCPA 807, and provided misleading forms violating FDCPA 812. 

Portfolio Recovery Associates are reporting 3 Accounts which have violated the FDCPA Account Number XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items 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 XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. I demand that you acknowledge and investigate my identity theft claims with the utmost urgency. It is not only my right as a consumer but also a fundamental necessity for restoring my peace of mind and financial stability. The following accounts have been reported on my credit profile : XXXX XXXX and XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA 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, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX RESIDENT VERIFY Inquired on XX/XX/ XXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (PA)

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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I requested that an account be removed as it is not accurate. I also would like to know their source as if they don't have a relationship with any court system. So I would like to know the validity of said debt as i have proof of a closed account.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Transunion, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the COVID-19 pandemic. As a result of the unprecedented circumstances created by the COVID-19 pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner. In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Transunion, report accurate and up-to-date information. Given the unique circumstances brought about by the COVID-19 pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by TransUnion. TransUnion is also reporting my XXXX XXXX account as open with a balance this is incorrect. My XXXX XXXX account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (UT)

On XX/XX/XXXX I closed my XXXX Acct and it was paid in full. I've explained this to 2 other collection companies, as well as a lawfirm after receiving information from them by mail about an alleged collection of {$340.00} they too were trying to collect from me. I sent these prior collection businesses the information regarding my XXXX Acct being closed and paid in full. Nothing more was heard of from these debt collections about this alleged outstanding debt until XX/XX/XXXX, when I received an email from XXXX advising that there was a new Perfection Collection account added to my XXXX credit report. I knew nothing about this company nor their alleged {$940.00} collection which they claim I owed them since XX/XX/XXXX. I filed a complaint with XXXX on XX/XX/XXXX stating that I knew nothing about this collection agency or their collection account against me since I had NEVER been contacted by Perfection Collection so I really had no knowledge of them or their alleged {$940.00} debt claim against me. Because I was able to get Perfection Collections information off of my XXXX credit report I XXXX the company 's name and located a match which directed me to their webpage. On their webpage, under contact us, I was able to send them a message on XX/XX/XXXX. In my message to Perfection Collections I informed them that my XXXX account was closed and paid in full on XX/XX/XXXX. I put them on notice to take their illegally reported collection off of my credit report immediately or I would take other action against them. I told them that I thought it was illegal for them to file a negative report to the credit bureaus without any attempt to notify or contact me. To make this easier for them to see that I had already handled this debt and previous attempts to collect on it, I sent them a copy of the email correspondence to and from XXXX and to and from the lawyer that also tried to collect on this debt in XX/XX/XXXX. As of XX/XX/XXXX, I have not received any type of correspondence from Perfection Collection nor have they attempted to contact me. On XX/XX/XXXX I filed another dispute with XXXX regarding Perfection Collection 's illegally reporting a negative report against my credit claiming I owe them {$940.00} as of XX/XX/XXXX stemming from an alleged outstanding debt they claim I owe XXXX.