davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (NY)

This letter is a formal complaint that Experian has been reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I have previously disputed this item with Experian Reference number : XXXXXXXX XXXX XXXX Bankruptcy- Filed date XX/XX/2022 and in response Experian verified the item as accurate, stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
The U. S. Bankruptcy Court items listed on my credit file and per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which clearly state that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers such as XXXX who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

***I would like the bankruptcy information to be deleted immediately.

Attached is the letter from the court. the COURT does not verify with THIRD PARTY AGENCIES or CREDIT BUREAUS. *** If they fail to respond within 30 days of receipt of this letter will result in a small claims action against Experian. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance {$9000.00} ; XXXX XXXX XXXX XXXX  Balance {$25000.00} ; XXXX XXXX  Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$24000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00}
Consumer complaint received 2023-05-18
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)

Despite of many requests, this was my 8th complaints that there were some inaccurate accounts listed on my credit file continue to report. I'm so very disappointed whenever i saw my credit report with such an erroneous informations. In violation of federal law, accounts should be corrected right away. These inaccurate accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved clearly. The following accounts seems to be an error on my file that needs to be corrected : XXXX XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXXXXXX Balance {$4600.00} ; XXXX XXXX  Balance {$3700.00}.
Consumer complaint received 2023-05-18
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)

I am sending this request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$3000.00}
Consumer complaint received 2023-05-18
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. (GA)

I sent a letter to XXXX XXXX XXXX advising of the identity theft. I requested all documentation/media to validate the debt. However, the XXXX XXXX has not provided any executed contracts and documentation to validate the debt and the status of the debt : Provide ALL documentation related to the sale/purchase of said vehicle. 
Provide ALL signed ( fully executed ) contracts/agreements. 
Provide ALL ledgers to include charges and fees associated with the account. 
Provide ALL copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
Provide proof car was sold. 
Provide proof of deficiency balance.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on Experian it shows late XXXX  30 days XXXX  60 days XXXX  120 days but on XXXX its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using XXXX XXXX and there are two XXXX XXXX accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (MD)

I do not have a M & T Bank account, yet I keep receiving numerous spam texts saying my M & T Bank account needs review. This text I've just received led me to a link ( which I've followed on my PC in VPN and hidden IP mode ) which looks extremely suspicious. The number that texted it is XXXX, and the website address they say to follow is XXXX XXXX XXXX It has " login '' details to enter, but I'm 100 % certain it's just a puppet page that logs the information for more scammers to use. Again, I have no account, so nothing happened to me, but this looks like a very easy situation to fool anyone with a M & T Bank account.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX have 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.
Consumer complaint received 2023-05-18
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. (NY)

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. 
Account name : XXXX XXXX XXXX XXXX  Account number : 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 2023-05-18
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. (MI)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2023-05-18
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. (FL)

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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. (MD)

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX
Consumer complaint received 2022-11-07
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. (CA)

I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am making complaints about two separate issues. The first being the presence of 3 accounts that are inaccurate and the creditor has requested a tradeline deletion that Equifax has choosen not to honor. the following creditors have confirmed their submission of a universal data form requesting their tradeline be deleted from my credit reports : XXXX/XXXX brands, XXXX and XXXX XXXX/XXXX brands. The second being inaccurate payment history being displayed on my credit report for my student loans with XXXX. XXXX has repeatedly inaccurately reported late payments for the period of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During these period of time, I requested a forbearance for my accounts held by XXXX. The forbearance was granted and my financial obligation to repay the loans for those months was removed. Despite not being obligated to repay during those months they are reporting as late. I have requested copies of my approved forbearance requests and have only received copies for the XX/XX/XXXX year and am still waiting for the XX/XX/XXXX transcript.
Consumer complaint received 2018-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (ND)

Trans World Systems has been posting a delinquent debt. They indicated on my credit report that I owed XXXX XXXX about {$85.00}. I received no notice of this debt, and thought when I moved all my debts were settled. I called XXXX and requested validation of the debt in the form of a final bill, last XX/XX/XXXX. None came. This again poped up on my credit notifications, so again, I reached out to XXXX XXXX, and after much discussion, I believed the explanation that I owed them money. They switched systems and a supervisor sent me validation. I paid the roughly {$85.00} owed via check to XXXX 3 weeks ago. I called TransWorld and they had no record of the debt using my account number with XXXX XXXX. I no longer owe this debt. It keeps posting as a new delinquency on my credit report and it is harming my ability to borrow money at reasonsble rates. Please ask them to stop, please help.
Consumer complaint received 2023-06-23
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-18
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. (TN)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!