davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance {$0.00},
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit Reporting act account is 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 USC 1605B : Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (CA)

I owe XXXXXXXX XXXX {$1200.00} because of unpaid membership fees, even though I attempted multiple times to cancel. They told me I could not cancel, they will still charge my card and threatened me saying if I dont pay my credit will be destroyed and once collection comes after me theres nothing they can do to help me.
Consumer complaint received 2023-08-11
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. (CA)

please see attached documents, IN ACCORDANCE WITH THE FCRA. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLYG PROTECTED RIHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. ACCOUNT XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIHTS.YGOU HAVE NO PERMISSION TO FURNISH ANYG INFORMATION ON MY CREDIT REPORT. IF YOU DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE, PLEASE DELETE THESE ACCOUNTS. 15 USC 1681 SECTION 602 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTIN AENCIES CAN NOT FURNISH ACCOUNT WITHOUT MYG WRITTEN INSTRUCTIONS. 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agencies make any consumer reporting 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 usc 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATIN TO A CONSUMER Reporting agencies if the person knows or has reasonable cause to believe that the information is incorrect. please DELETE.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-11
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX 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 Balance : {$24000.00}
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-08-11
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. (OR)

I have asked experian to VERIFY this information and provide me with copies of any documentation associated with there investigation into to accounts on my credit report They have not provided any documentation on there investigations on these two accounts XXXX account # XXXXXXXX XXXX account # XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (CA)

United Collections Bureau , Inc. reported an account that I have been paying on for several years against my credit report and my score dropped XXXX points. I had XXXX accounts with them and I have successfully paid off 2 in the past year. I am working on this last account/XXXX XXXX ( XXXX ) and pay monthly. They reported me derrogatory.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (TX)

My personal, NOT public information was used without a permissible purpose. I have NO accounts with these creditors who have used my information, there is no connection with a business transaction that is or was initiated by me the consumer. This is a violation of the FCRA. Also my address is reported inaccurate, and I asked them to update this as well.
Consumer complaint received 2022-11-02
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)

My personal, NOT public information was used without a permissible purpose. I have NO accounts with these creditors who have used my information, there is no connection with a business transaction that is or was initiated by me the consumer. This is a violation of the FCRA. Also my address is reported inaccurate, and I asked them to update this as well.
Consumer complaint received 2023-07-12
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: Synovus Bank (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-11
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Equifax, is a reputable company. They have assumed the position of providing consumer reports for decades now. I find it interesting in this time where I have started disputing some inaccuracies on my report that my entire consumer report profile has gone blank. Nothing being report, whats ever. Is this was we have come to? This is why we dispute the incomplete and inaccurate data. Didn't they just have a data breach in 2017, where millions of consumers were impacted. When I log into my account with Equifax, I am fearful, that when I see the " technical issues '' prompt, immediately I think that my profile has been hacked or worse, my information is now going to be used against me. I don't know what to believe with these companies anymore, my trust with them is shattered. A few disputes and then suddenly account wiped blank and even worse, we have to wait 31 days for an update with Equifax for any relevant information.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (VA)

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. XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zendable, Inc. (FL)

This company has violated the UCC 3-603 and UCC-3-311.

neglecting payment made with a negotiable instrument.

The company also is refusing to validate and honor 15 U.S. Code 1692g The company does not provide statements or documents.
Consumer complaint received 2023-08-11
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. (NC)

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (PA)

XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (VA)

the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

In XXXX and XXXX of 2023 I have tried with the Chime Bank to dispute several transactions from a direct deposit. The direct deposit amount is not equivalent to all of the transactions amount according to the phone call and the dispute was placed as an unauthorized transaction. Then another direct deposit from the federal reserve never posted to my balance, and was told I have no funds to deposit and receive funds in my chime bank checking account because of it.
Consumer complaint received 2023-05-24
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)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX 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 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I have a NFL visa credit card issued through Comenity Capital Bank. The balance has been paid in full since XX/XX/2022. They have failed to report this payment and continue to report that I am carrying a balance. Their response to my inquiry is they are having system issues that are preventing accurate reporting. This is potentially impacting my credit score. Their lack of progress on fixing an issue that is a required task is negligent and a negative Customer impact. Many other banks can complete without issue. This is a pretty standard process.
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX