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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX added the incorrect balance to my credit report after verifying the correct balance. I spoke with XXXX XXXX who misrepresented himself as a supervisor, and was unable to help me. I then spoke to XXXX XXXX ( supervisor of customer advocacy ) who stated there's nothing he could do about the balance until they verify it. This is extremely frustrating because I sent a copy of the discharge letter. The customer service I received from both XXXX and XXXX was very upsetting. I definitely regret that XXXX XXXX transferred my loans. Now my credit report is suffering due to this mistake. According to XXXX, it could be incorrectly reporting for 90 days or longer!!!!!
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested Experian, XXXX, and XXXX delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions , IncXXXX, No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information systems , XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX  ), child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records.

I requested theses violations be deleted immediately and a written confirmation within 30 days.

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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  : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Us Dept. of Educatio XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or 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 2023-02-02
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)

On XX/XX/2023 I've filed a complaint with Experian regarding XXXX XXXX XXXX, Account # XXXX and Account # XXXX. I've reported inaccuracies on the accounts and asked it to be deleted. I have been noticing that lately, instead of following the 15 U.S. Code 1681b that estates that the Credit Bureaus need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy, they have been ignoring our requests and just updating information instead of deleting as the law requires to. 15 U.S. Code 1681a ( 2 ) ( a ) ( i )- is very specific in regards to the exclusion sections ; 15 U.S. Code 1681b is very specific in regards to fairness, impartiality and respect to privacy, and 15 U.S. Code 1681 Section 604A Section 2 also estates a consumer reporting agency can not furnish an account without my written instructions. 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 promptly delete that item of information of the consumer. It is illegal to retain or report inaccurate, misleading, or unproven information, especially considering a composed consumer complaint notifying Experian of said issues. As requested previously, I need both accounts deleted from my credit report. I expect it to be done immediately because this is infringing my rights accordingly to the Fair Credit Reporting Act. If they are unable to do so, they must provide me who validated the information, how the validation occurred, and please provide me with physical verification of the validation as the law requires if you are choosing to keep the information on file. I have also requested the names, addresses and telephone numbers of individuals Experian contacted during the investigation. Otherwise, anyone paying for the reporting services could just fax, mail or email in a fraudulent account. Experian should also provide IRS Form 609 signed, that gives the authorization to verify my SSN. If any documents or contracts can not be provided they shall be considered identity theft. 18 U.S. Code 1028 deals with fraud and related activities in connection with identification documents, authentication features and information.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (NY)

I received notification of a debit that was posted to my credit report however no prior attempts were made for the debit to be collected. This debit was involved in a XXXX 's compensation case, I had contacted both the collections company and the original debtor to advise them that this was to be taken care of in a XXXX  's comp coverage, I had supplied them with the state case number, the XXXX  's comp case number and phone number. They fail to suspend the debit for further investigation and or cease collections along with report to my credit.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/, I made a payment in the amount of {$1200.00} and this payment got held. I totally understand the reason that this payment was held due to me making an unusually high payment. I would make a comment that prior to this payments like {$25.00}, {$75.00}, {$100.00}, {$120.00} were not placed on hold. Now no matter what, this bank is holding payments, which makes no sense to me. I have spoken to representatives that state the reason that payments are being held is that of payment cancellations, but that is false, because I never started truly cancelling payments like I have recently when I noticed that everything was going to be held for not even 7 days but 10+ days now. I understand this if I bounced a payment, but seems like these XXXXXXXX XXXXXXXX  can't trust they will get money themselves while they line their own XXXX  pockets. I feel like this is an advantage to continue collecting additional interest on my account. My account needs to be returned to credit payments same day, as this is I think extremely unfair that now these people arbitrarily do whatever whenever however they feel and DO NOT inform the borrower. I think that credit card companies if they are holding payments need to explain to the consumer how come and when it will be released. They do not do this. It is biased and somewhat racist.
Consumer complaint received 2024-03-18
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. (ND)

The 3 credit bureaus all have some kind of incorrect information on my file. There was wrong addresses, names, phone numbers, emails, etc. I have filed for identity theft twice. I have included police reports. Ive lost my home. I lost everything and credit bureaus wont investigate thoroughly. It should be plain as day that I am a victim. I am doing whatever I can to fix credit but I cant seem to get a break because the errors on my file arent corrected. I have reports that were filed by police but still nothing. Ive talked to fraud departments. There is only 2 people in the world with my name so its extremely easy to pinpoint my info and use it online. How hard is that to understand! My entire life will be fighting against my identity and for my reports on me to be accurate. Its a a shame while the criminal is out there living the best life and Im here open and providing documents but still am being told that information is accurate and verified. Check cameras, IP addreeeses, significant locations, and listen to call recordings and 100 % anyone will see that I am a victim of fraud, unauthorized charges and identity theft.
Consumer complaint received 2023-02-03
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)

I mail out dispute letters to all three credit bureaus and none of them corrected the information. 
XXXX XXXX XXXX XXXX receives a XXXX dollar payments every month, this is what the company agreed too. And every month they report my account late/derogatory XXXX ) XXXX XXXX  has this account listed as open but charged off with a balance of XXXX XXXX ) the addresses listed on my with the credit bureau should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All others I would like removed. 
XXXX ) XXXX is listed twice along with XXXX XXXX and XXXX XXXX. I disputed these as well and I was told that it was fribilous. 
An according to my rights with fcra I have the right to privacy and the right to have only verified and accurate information on my reports
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I recently viewed my credit report and noticed that there are late payments from XXXX XXXX and XXXX XXXX reporting that were covered during the CARES act and pandemic. I called each creditor and made accommodations to ensure my credit would not be impacted from my hardship of being laid off. I've also requested verification from the CRAs ( Experian, XXXX, and XXXX ) XX/XX/2023 and XX/XX/2023 and have not received an update as to why my accounts are showing any late payments. Furnishing this information to my profile is in violation of 15 USC 1681 s-2 ( F ). The late should not be reporting. As agreed, the accounts have been paid, reporting any billing errors is now in violation of 15 USC 1666B. I was assured that my accounts would remain in current status due to the accommodation.
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

For the past 6 months or more, I have been receiving incessant phone calls from what claims to be verified numbers from a debt collector known as Portfolio Recovery. They have called from nearly 50 different phone numbers with area codes from multiple states so blocking the calls doesn't really do anything. I will attach as many screenshots as I have the patience for ( there are currently 47 ) of all these phone numbers just to prove how excessively and relentlessly I have been spammed with these calls. I just got married and changed my last name in XXXX 2022 and that is pretty much when all of this nonsense started. I have no outstanding debt whatsoever, beyond monthly credit card usage that I pay off within a month 's time frame. If I had actually had any debt that would merit calls from debt collectors, I am pretty sure it would be negatively impacting my credit score. But I have credit score monitoring from a couple different companies which I check on a monthly basis and my score hasn't been below 750 in years.
Consumer complaint received 2021-01-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the TRANS UNION CREDIT REPORTING AGENCY is not removing one fraudulent account from XXXX XXXX. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from XXXX XXXX. 
Unfortunately, Trans Union is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.
Consumer complaint received 2024-01-04
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. (LA)

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Inquiry and close accounts and collections are not mines theses companies needs to start let others ppls use there names to put things in peoples names because of they desperate for money so I needs all of this to be removed and disputed off my report immediately Under all XXXX credit bureau from XXXX to XXXX to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is the third time when I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Request for Removal of Inaccurate Address Information Dear Experian, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : 1 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and 2 ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

In accordance with the fair credit reporting act : account # XXXX has violated my rights as a consumer. 
15 u.s.c 1681 section 602a. States I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

Hello I am currently a victum of idenity theft. Within the last past three years I have noticed that accounts have been on my credit report. I have tried to call to get the items removed but the has been no resolution. I have received notices from certin entities that have a had a data breach and information may be leaked.