davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-06-02
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. (MD)

I have incorrect information on my credit report. I tried to get it investigated via mail on XX/XX/, however, Experian sent me an email stating that it was not me who sent the letter - BUT IT IS ME. Experian did not open disputes as requested. However, I called them and they said they could not process my letter dispute, they still haven't opened disputes to investigate. I will be attaching the email from them that they sent on XX/XX/ and the dispute letter that I sent on XX/XX/ originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2023-06-29
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. (PA)

My name is XXXX XXXX XXXX and I am composing this statement on my behalf. Recently I discovered fraudulent accounts on my credit reports. According to fair credit reporting these accounts have violated my rights. According to section 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my reading instructions. 15 U S C-section 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, not later than four business days after the date of receipt. It has been 30 days and the company has not done so after receiving notice that I am a victim of identity theft. I've requested the deletion of these items as soon as possible.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2020-06-19
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. (IL)

Ive completed approximately 5 or more disputes with Experian regarding a Chapter XXXX Bankruptcy reported to my credit. This public record does not and has never belonged to me. After disputing this multiple times, I filed a complaint with CFPB and as apart of Experians response they cited that have yet to complete the dispute and was awaiting documents. Experian has expressed during a verbal conversation that they receive all data from XXXX XXXX. After requesting XXXX XXXX to investigate this inaccurate public record, they swiftly and accurately removed it. I sent correspondence of this to Experian along with my Drivers License and FTC and Police Repor. On XX/XX/2020, I received dispute results reading that they are unable to remove it and that the company that reported to Experian has certified that this is accurate. Referencing back to my previous statement, I was told that this information comes from XXXX XXXX. XXXX XXXX HAS NO RECORD OF THIS IMFORMATION. Experian has taken this opportunity to target less than credit worthy and possibly XXXX American people in maintaining inaccurate information to disable the ability to be exposed to better credit and life opportunities.
Consumer complaint received 2023-06-02
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 XXXX 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 Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 accounts deleted or updated. These are the items I demand to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-29
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. (WI)

Account name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX   Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-29
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. (FL)

Transunion, has the incorrect address for my current address and I have tried multiple times unsuccessfully to correct it and they still have the wrong address : Correct address is XXXX XXXX XXXX XXXX  XXXX, FL XXXX. 

Transunion has not deleted the XXXX XXXX account # XXXX that was opened on XX/XX/XXXX and date of last activity in this account was XX/XX/XXXX which they also have incorrect, Transunion has reported the date of last activity as of XX/XX/XXXX which is incorrect as this account was charged off years ago. This account is XXXX XXXX XXXX and I need them to delete this account, I have sent multiple letters last one was just sent prior to this complaint as well as I had sent one on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only appear on your credit report for 7years. After that period is up, the debt can no longer be reported.

I have tried to deal with Transunion directly but I have not gotten any results. If they do not delete this from my credit report after this investigation I will report this to the FTC. As they are violating my rights.
Consumer complaint received 2023-06-02
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. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-29
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. (GA)

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 U.S.C 1681. 

Account name : progressive insurance Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account date : XX/XX/XXXX Account address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account date : XX/XX/XXXX Account name : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account dateXXXX Account name : XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account date : XX/XX/XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXXXXXX Account # : XXXX Account name : XXXX. XXXX Account # : XXXX 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 an 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 2023-03-02
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. (UT)

XXXX XXXX file number XXXX, XXXXXXXX XXXX needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.
Consumer complaint received 2023-06-29
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2021-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CT)

Credit Control LLC claims I owe {$3400.00} to XXXX XXXX  which I believe to be XXXX XXXX, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with XXXX closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX  XXXX  has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. Credit Control LLC is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX  XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.
Consumer complaint received 2023-06-29
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-28
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)

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 Home improvement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$140000.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for home improvement loan due to the inaccurate information on my credit report.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-04-20
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: JPMORGAN CHASE & CO. (MT)

I have requested a copy of contract with my signature from JPMCB Card XXXX XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting JPMCB Card in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company JPMCB Card partial acct XXXX XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Consumer complaint received 2023-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (VA)

Hi! I am being double charged a fee already debited by the company, and it also reduced my borrowed amount. I requested the company adjust my loan amount and they declined, stating no double charging has occurred. Please help me!
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NE)

On the date of XX/XX/XXXX i sent out a dispute letter for Credit Acceptance Corp with the amount of {$6800.00}. 

I sent off the 611 letter to XXXX that there was inaccurate information reported and i would like if they followed The Fair Credit Report and removed the item from my credit report On the date of XX/XX/XXXX XXXX sent out a dispute letter for Fair collections & outscoring for the amount of {$2300.00}. 

I sent out the section 611 letter to the bureau expressing the inaccurate information that has been reported. i would also like if they removed this item from my credit report.
Consumer complaint received 2022-11-28
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)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (MI)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX