davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I'm reaching out in regards to inaccurate information on my Credit Report with all 3 reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy Court submitted the discharged result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to Experian and XXXX. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank You.
Consumer complaint received 2023-07-22
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX, 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  XXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IDEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MYCREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2023-07-22
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2024-03-31
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. (KY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX  XXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report 6.The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I am writing to request a correction of the following information that appears on my credit report. The late payments for the XXXX, XXXX XXXX, and XXXX XXXX are incorrect. They are reporting inaccurate information. I was never late! I am being taken advantage of as a consumer and these reports negatively impact my credit. I have disputed these accounts and made the Equifax aware of my discoveries and that these incorrect inquiries are on my report without my knowledge, consent, or authorization. I have sent out a number of letters on XX/XX/2023 and XX/XX/2023 and there has not been any response. I have tried on a number of occasions to rectify the matter at hand. These matters violate my rights under 15 USC 6802 ( B ) and the Fair Credit Reporting Act.
Consumer complaint received 2023-07-22
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: First Technology Federal Credit Union (CA)

Hello CFPB team. 
XXXX XXXX, XXXX  and XX/XX/2023 I did a pre-approval and check my rates.On their website states that " Checking your rate will not affect your credit ''. I was approved, followed by hard inquiries and then they send me denial emails. I would not accept an offer if I would not be approved. In my humble opinion this is not a fair transparent pre-approval.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

On XX/XX/2022, I received a letter from Law Offices of XXXX, XXXX XXXX XXXX about an alleged debt owed to XXXX XXXXXXXX that XXXX, XXXX & XXXX were trying to collect on. I was confused on how this company XXXX XXXX XXXX XXXX, XXXX & XXXX received my information and I never did business with them. Therefore, I sent them a validation of debt letter and they responded with a letter sent out XX/XX/2022. The letter consist of XXXX XXXX statements stating that I allegedly owe them money and they are attempting to collect a debt. This caused me to panic, so I started to do some research and noticed that I was being violated my rights under the FDCPA. In there letter it stated that I allegedly owe {$660000.00}. After completing my researched I noticed several violations of my rights, in there letter sent to me 15 USC 1692 ( a ), 15 USC 1692e ( 2 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( a ), 15 USC 1692a ( 6 ) and 15 USC 1692j ( a ).
Consumer complaint received 2023-07-22
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 Last reported XX/XX/2023 {$120.00} Open balance XXXXXXXX XXXX XXXX Original creditor TXXXX XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX  XXXX Original creditor
Consumer complaint received 2022-10-20
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. (OH)

XXXX XXXX XXXX is a closed account and shows a Balance of {$3700.00}. 
XXXX XXXX XXXX was reported on in XX/XX/2016, and now states an open date of XXXX XXXX, which is completely false and inaccurate. I have no knowledge of either account.
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCD Financial, LLC (OK)

I'm XXXX, I have XXXX, XXXX, memory problems due to XXXX XXXX XXXX XXXX. I thought the blender was paid off 2 years ago but it wasn't, so I called to try and see what I could do to settle the debt. I can't even afford to get food without my food stamps. After all my bills and rent are paid, I have {$12.00} that usually pays for my medicine, so i wanted to know what the lowest payment they could take, I could afford {$12.00} if I didn't get my meds and they refused to take it. They said they will sue me if I can't pay {$100.00} of my {$130.00} debt and if I can't pay them I will go to prison. I offered to give back the blender, it's in good condition but they said it's past that. They said I had till XXXX to pay or else they will sue me. They scared me so bad I had a XXXX XXXX and had to call the head of my health team to calm me down. They told me to pull up my XXXX XXXX XXXXXXXX and stop crying and pay. I asked for advice on how to get the money but all they told me is just pay. I don't have a way to raise money for this, I called to try and work it out but instead they verbally abused and threatened me with legal action. The head of my health team said that what they did breaks the law or something? And that I should report them. I was so scared that they were going to put me in prison because I can't afford all the legal fees they said they would put on me. I tried to explain my situation but they hung up. I am actually scared, I try so hard to not have debts, I try not to live beyond my means and this was such a shock. I literally had XXXX on the XXXX, and have no way to get out and try to make the money they want. I'm still so very confused and upset as to why this happened.
Consumer complaint received 2022-09-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NV)

I am receiving phone calls every 20 minutes all day long every single day. It doesnt matter what time time or day is. They are calling me. Ive made a payment to my account. I am being harassed and it is annoying. Leave me alone!!
Consumer complaint received 2018-10-16
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. (PA)

Equifax has me listed as being deceased. My husband passed away XX/XX/XXXX. We leased a car with XXXX XXXX in XX/XX/XXXX. I sent necessary documents in XX/XX/XXXX, to remove his name from the lease, ( death certificate ). The lease was up in XX/XX/XXXX. I turned the car in and am leasing another car with XXXX XXXX XXXX XXXX. It appears that XXXX XXXX listed me as deceased along with my husband inXX/XX/XXXX. I applied for a mortgage in XX/XX/XXXX with XXXX XXXX XXXX. XXXX XXXX attempted to get a credit score in XX/XX/XXXXt and was unable to do so because consumer was listed deceased. I filed a report immediately online with Equifax in XX/XX/XXXX. I received an email confirmation that the dispute had been settled and a printed copy dated XX/XX/XXXX. The printed copy stated consumer deceased instead of loan paid in full. I called again on XX/XX/XXXX and was told that I was still listed as deceased and it could take another 30 days before it was cleared. XXXX XXXX XXXX attempted 3 more times to obtain a credit score and were unable to do so. I can not get a mortgage without a credit score. I have also contacted XXXX XXXX XXXX XXXX the first week of XX/XX/XXXX asking them to contact Equifax explaining the error. The agent drafted a letter while I was talking with her. A copy of the letter was also supposed to be sent to me. I never received the letter so I have to assume it was also not sent to Equifax.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I reviewed a copy of my credit report and I sent there is a collection items listed that I am not aware of. I attempted to contact collection company and request verification and recieved nothing back. I understand is this a violation of FDCPA and to have account deleted.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I was contacted by a company called XXXX XXXX XXXX about {$340.00} debt which was transferred by XXXX XXXX. 
Creditor name is XXXX. 

I used XXXX more than 10 years. If any payment issue, it always goes to my bank and credit card company. 

It is typical fraud. 

XXXX  steal my information from my old credit report 5-10 years ago, the only one I had for collection was {$340.00} from XXXX XXXX  , which was resolved back in XXXX. Disputed from XXXX. The account was closed ( XXXX XXXX charged {$200.00} for equipment, but I already returned their equipment ).
Consumer complaint received 2024-03-31
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX my identity was breached data breach fraud theft I turned it in and turned it in since XXXXXXXX XXXX XXXXXXXX my information has been sold twice last year and once this year I have hackers since XXXX every company I go with the hackers follow Me I have been fighting this by myself because no lawyers will take my case even tho the lady at Experaian and using my information going by XXXX XXXX and I got her and she hung up on .me and and another Lady from another company. Using my information too Going by XXXX XXXX used my information she worked at XXXX AND THEY LIED AND SPEAD THE LIES ON MY CREDIT report and I got threatened by there kin folks the same day she got busted and they wanted me to sign there paper and if I didn't they would do fraudulent things and lead it back to .me and they said they would use kids against me and they did everything I have been explained myself for a year and 5 months now and I still have the hackers bothering me and I got 4 accounts at XXXX AND THEY REFUSE TOO SHUT THEM DOWN THEY LIED UNDER OATH I DIDNT KNOW ANYTHING ABOUT THIS BANK UNTIL XX/XX/XXXX I TRIED TO OPEN ACCOUNT AND THATS WHEN THEY TOLD ME I DIDN'T KNOW I GOT A SETTLEMENT OR I DIDN'T KNOW ABOUT THE TAXES EITHER I DIDN'T OWN a phone back then I didn't get a phone really XXXX that I kept and I get social security XXXX and I have received it XXXX and I don't know anyone outside of the United States either my mother died in XX/XX/XXXX her name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the only child I have been married 4 times married the XXXX XXXX twice Long.Anyway I don't know who my father is I was born and raised in XXXX TN I have only been in two States XXXX all of my life except XXXX XXXX XXXX so I don't have nobody outside of the United States I am a united state citizen and I am a victim not a criminal and I have been treated unfairly and My rights have been violated and I am stand alone this is unfair that I have been telling my story for a year and 5 months now
Consumer complaint received 2023-07-22
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. (AZ)

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 2022-09-22
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)

This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
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. (TX)

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 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (KY)

Comenity Bank for XXXX has claimed since XX/XX/2022 that they have been going through a system update. Said update has caused errors trying to make payments as well as no statements generating. I have not received a monthly statement since XX/XX/2022 and no one knows when the " system update '' is going to be finished or fixed or whatever is going on with it. Blatantly not sending statements to your consumers is a major problem. Not having a working system to make payments is a major problem. Telling your consumers that you do not know when it will be fixed when it's going on month 4 is a major problem.
Consumer complaint received 2023-09-28
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. (AL)

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.

has violated my rights. Or a list of inquiries : 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.