davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is inaccurately reporting an account on my credit profile. I disputed the item and asked for their method of validation based on my rights under 15 U.S. Code 1692g. They failed to provide any information on how and why they continue to report this on my credit profile. They completely disregarded my complaint and furnished none of the information I requested based on my rights as a consumer under the FCRA. I am following up with another dispute. Furthermore, Transunion is the only credit bureau reporting this false and misleading information on my account,
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (TX)

On XX/XX/2023 I received a notification from XXXX credit monitoring that a new collection was placed on my XXXX credit file. 

This alleged Collection account was placed on my XXXX credit file reporting from Williams and Fudge Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX * This is a violation of the FDCPA and FCRA as I was NEVER initially notified by Williams and Fudge of an attempt to collect a debt or my right to dispute prior to reporting to a consumer reporting agency. 

On XXXX the XXXX, XXXX  I sent Williams and Fudge Inc a debt validation request to the address that was being reported on my credit file. ( USPS Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX The US Post master informed me that their zip code was NOT correct ) On XXXX the XXXX, XXXX  Williams and Fudge Inc, received and signed for the debt validation request. 

On XX/XX/XXXX  I disputed this alleged collection with XXXX ( Confirmation # XXXX ) as it is a violation of the FDCPA and FCRA as I was NEVER initially notified by the debt collector before they placed the alleged collection on my credit file. 

On XX/XX/XXXX  XXXX received an update from Williams and Fudge Inc that this alleged collection account belongs to me. This is a subsequent and clear violation of the FDCPA and FCRA as Williams and Fudge update INVALDIATED information during the 30 days debt validation period ; this was just 7 days after they received my debt validation request. 

As of today Williams and Fudge still has not validate this alleged debt to me and is refusing to remove it from my XXXX Credit report. To be clear I was NEVER notified of an alleged debt by this debt collector before placing it on my consumer credit report.
Consumer complaint received 2022-11-05
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)

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, 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 2023-06-01
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. (OH)

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX XXXX ( c/o : XXXX XXXX XXXX XXXX ) Account Type : XXXX Amount due : {$610.00} Date placed on my report : XXXX  Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NJ)

Hi my name is XXXX XXXX XXXX writing us about my account closed Synchrony XXXX  company but l didnt closed my account they closed my account closed that was an error by phone payment that was a mystake l got this account over 6 months never late l always pay onetime please l want my account to be reopening please help me
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have written can called XXXX numerous time about XXXX XXXX XXXX Accounts XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Ive pulled my credit report and the account with XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX and with Experian XXXX XXXX XXXX its showing a late payment in the month of XXXX XXXX XXXX  which is illegal and violation. According to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive any type of notification at all.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I wish to bring to your attention that I have not authorized nor initiated any transaction with the aforementioned creditor on the specified date. As a diligent consumer, I maintain a thorough record of my financial activities, and this inquiry does not align with any legitimate transaction or application on my part.
Consumer complaint received 2023-02-01
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. (TX)

After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, Transunion, XXXX and XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my reports.
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: EQUIFAX, INC. (SC)

When I checked my report, I saw a collection account for {$200.00} from XXXX XXXX from a power company. This power bill is not mine. 

On XX/XX/2023, I sent a dispute via certified mail to XXXX and Equifax, explaining how that account was not mine and that it should be deleted. In response, both companies claimed the account was verified as accurate. 

On XX/XX/2023, I sent a debt verification request to XXXX XXXX via certified mail. In response, XXXX XXXX sent a letter claiming that the debt originated from an address I have never lived at ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC ). Additionally, XXXX XXXX failed to provide adequate debt validation per the Fair Debt Collection Practices Act. 

On XX/XX/2023, I sent copies of all the aforementioned documents to XXXX and Equifax via certified mail. Again, both companies have refused to remove the collection account from my report.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2016 - {$0.00} XXXX Overview Reference Number XXXX I have tried getting this off never file a bankruptcy in 2016
Consumer complaint received 2023-06-01
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus don't have no written premission According to XXXX XXXX XXXX XXXX have the right to privacy According to XXXX XXXX XXXX XXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-11-05
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. (PA)

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} 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 instruction.
Consumer complaint received 2023-02-01
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: Upstart Holdings, Inc. (NY)

Upstart Inc is furnishing an inaccurate information on my credit report and is in violation of the FCRA.

I checked my Credit report and i found a lot of errors from this company. The burden is on you and you hereby have 15 working days to reinvestigate.

This inaccurate information on my credit report has caused me a lot of financial harm, denial of credit from creditors and defamation of character. 

If after 15 days of reinvestigation you do not correct of delete the erroneous information on my credit report, you will be civilly liable to me for negligent non-compliance. 

Take this seriously, the time starts now.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for XXXX loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, XXXX, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the XXXX. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( XXXX, Equifax, XXXX ) have all failed to remove the XXXX XXXX loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my XXXX XXXX loans, full discharge of my XXXX XXXX loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.
Consumer complaint received 2023-02-15
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. (IN)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following disputed items in my file will be updated immediately : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

i lost my wallet around the end of XXXX of XXXX by XX/XX/XXXX i had to get a new driver license and debit cards. I didnt report to police cause i didnt get any suspicious activities in my banks account. 

yesterday XX/XX/XXXX i received a summon case XXXX from AMERICA EXPRESS NATIONAL BANK for two credit card accounts, one XXXX XXXX XXXX for the ammount of {$11000.00} and a XXXX XXXX XXXX XXXX  for the amount of {$6200.00} the plantiff 's attorney is XXXX XXXX XXXX XXXX XXXX XXXX Credit cards that i never applyed for and of course never used. 

Looking for more information i order a report with XXXX and check my credit and i found out that different inquires were made. 
On XX/XX/XXXX XXXX XXXX open an account that on XX/XX/XXXX were closed because they couldnt verify my information. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX the thief was trying to apply for credit cards in XXXX XXXX with out success. 

Its another account on XXXX opened on XX/XX/XXXX. I contacted all the companies today and report a fraud, also i put a fraud alert on XXXX. i will a file a written response to the clerk. 

This is the first attempt to inform about my identity theft. Any more information i can get i will submitted eventually. 

Also the accounts with american express were open on XX/XX/XXXX and i was in XXXX in a samll town where i dont even have internet. 
i will attached proof ( copy of my passport ) showing that i was out of the country. 
from XX/XX/XXXX - XXXX XXXX i was in XXXX, XXXX with my family with not internet, no cellphone service. So i was not able to open an account at all.
Consumer complaint received 2023-06-01
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I submitted a letter to the XXXX credit agencies known as XXXX, XXXX and Experian. As of today XX/XX/XXXX, I have yet to hear from Experian. I heard from XXXX and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from Experian. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and Experian is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, XXXX is reporting that the account was charged off starting XX/XX/XXXX. However, Experian is showing that the chargeoff started XX/XX/XXXX. Also all XXXX of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, Experian is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that XXXX deleted this account because it is inaccurate. 

Exhibit D XXXX is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. Experian is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. XXXX is showing that the account was paid on time in XXXX of XXXX but Experian is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything