davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and dissatisfaction with the handling of my recent attempt to remove fraudulent items from my account. Despite my initial communication and subsequent efforts to rectify this issue, it appears that the fraudulent charges remain unresolved. 

I first discovered unauthorized transactions on my account and immediately reported them to your institution. I followed the necessary steps outlined by your fraud department, providing all relevant information and documentation to support my claim. However, to my disappointment, it seems that my efforts have not resulted in the removal of these fraudulent charges. 

Despite my initial attempt to address this matter, I was dismayed to discover that the fraudulent items had not been removed from my account. Consequently, I reached out again on [ date ] to reiterate the urgency of the situation and to request immediate action. Regrettably, I find myself in the unfortunate position of having to bring this matter to your attention once more. 

The continued presence of these fraudulent charges not only poses a significant financial burden but also reflects poorly on the security measures and responsiveness of your institution. As a customer, I expect a swift and thorough investigation into any instances of fraud, as well as timely resolution to protect my account and financial interests. 

I urge you to prioritize this matter and take the necessary steps to promptly remove the fraudulent items from my account. Additionally, I request transparency throughout the process and regular updates on the progress made towards resolving this issue. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent charges on my account. I trust that you will take immediate action to address this matter and prevent similar occurrences in the future. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
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: EQUIFAX, INC. (TX)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX : The credit inquiry named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-02-10
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. (CA)

First off, I had no help from anyone to file this information. 

This new issue with TransUnion is about information and violations on my account. See attached for full details. 

Also TransUnion has yet to resolve the previous issue.
Consumer complaint received 2023-03-09
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)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX {$260.00} XX/XX/XXXX
Consumer complaint received 2021-12-29
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: EQUIFAX, INC. (CA)

After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me XXXX XXXX XXXX XXXX XXXX An caused me to get denied for numerous things which I consider damages.
Consumer complaint received 2023-03-01
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. (KY)

Upon reviewing my credit report I saw that XXXX XXXX reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : XXXX XXXX XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on XXXX XXXX Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is in response to the investigations that I asked for the accounts listed below : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX In my request. I asked for verification of these accounts including ledgers and contracts with signatures. However, transunion has failed to provide me with valid proof of the existence of these accounts. I am demanding removal of all accounts listed above due to failure to provide accurate and valid proof. 

FCRA laws prohibits the misuse and unfair practices of misinformation on credit report.
Consumer complaint received 2023-03-01
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. (TX)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXXEQUIFAX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am disputing the inaccurate reporting of a late payment on my account. XXXX XXXX XXXX XXXX XXXXXXXX .... has acknowledged the error in recording the payment and has since rectified the issue, with the account should now reflecting closure and a clean payment history. The account must reflect closed/never late.
Consumer complaint received 2021-12-22
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: EQUIFAX, INC. (TN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-02-01
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)

NOTICE regarding Failure to fix error after unlawful investigation causing harm and injures to my mode of living, disgrace to my reputation and defamation of charactor.

I am demanding ALL UNVERIFIED alleged accounts below removed immediately.

1. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX
Consumer complaint received 2021-12-22
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. (NY)

Today on XX/XX/XXXX I called Equifax to inquire about the incorrect information on my credit report. I emailed XXXX XXXX and stated I was on hold waiting for a supervisor. The consumer affairs office picked up. This woman wasted XXXX minutes of my time. Each time Equifax is charged with doing their job its always a distraction. I have the Equifax Credit report and ONCE again incorrect information. They changed my password and I can no longer get into the portal to view my credit. 

Based on my emails and complaints Equifax dropped my credit score from XXXX to XXXX. This was retaliation. There is a security freeze on the account. No one is checking my credit. I do not use Equifax for anything. 

XXXX XXXX Equifax has the wrong date of the account being opened. The XXXX XXXX card was opened early XXXX not XX/XX/XXXX. Then the account is not listed as closed. The account has no date of removal after 7 years.Which 7 years is this month. 

This organization tried to be slick as usual. As they are asking for my verification I have the credit report in front of me going through the verification. As I already stated if outside counsel is necessary I will have no problems with it. Several complaints going at once. Then to be funny they keep sending complaints to XXXX Equifax. When they know the account is with its XXXX America Offices. 
The agenda is clear. The organization is XXXX and practices XXXX tactics against XXXX American customers. 
After I gave my email address, social security #, address, 7 credit card accounts all accounted for. Student loan accounts all accounted for yet she is asking for me to fax over ID and my Social Security card. Equifax has no integrity. Several data breaches and a settlement that still has not been settled. No one will get my social security card and when identity theft happens with their company they won't accept accountability if my information is lost, misplaced, or stolen. So since they need a complaint filed every step of the way I will gladly accommodate.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
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: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (TX)

am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. The accounts list in the above paragraph has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. ()

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX FIN XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX FIN XXXX Balance : {$380.00} XXXX  XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX : {$2800.00} XXXX XXXX FIN XXXX Balance : {$380.00}
Consumer complaint received 2023-03-01
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)

*Equifax has ( 2- XXXX XXXX accounts ) reporting. The late payments are 60 days late XXXX  XXXX, 90 days late XXXX  XXXX 120 days late XX/XX/2020. The balance on Equifax is incorrect ( {$320000.00} ) The monthly payment is incorrect at ( {$2800.00} ). The Correct amount is ( {$3000.00} monthly ). And the Correct Balance is ( {$300000.00} ). *Equifax also has ( 23 ) late payments between ( 4 ) XXXX XXXX XXXX XXXX Accounts that need to be deleted and updated to paid on time. According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction }-