davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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 ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following erroneous accounts that are reporting on my credit report ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In reference to the errors discovered on my most recent credit report, I am writing to formally file a complaint. I looked into it thoroughly and found that your agency had failed to report a number of items that were questionable, invalidated, unverifiable, and inaccurate.

These errors have not only caused severe distress but also violate my rights under the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported 100 % accurately. It is unacceptable that your agency has failed to ensure compliance with this fundamental requirement.

Furthermore, I have identified specific accounts that are in clear violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These accounts are not reporting information accurately and are further exacerbating the adverse effects on my creditworthiness and financial well-being. 

I demand immediate action to rectify these inaccuracies and bring my credit report into full compliance with the law. I have attached copies of all letters previously sent to your agency regarding this matter for your review and reference. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter further and seek appropriate legal action to remedy the damages caused by your agency 's negligence. 

I expect a timely response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-07-16
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. (AL)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-16
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. (NY)

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus Equifax, XXXX and XXXX have violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has never received my permission and is falsely reporting this Account on my credit report as open with late payments. 

I do not recall opening this account and have any recollection of this credit line or balance reporting. It's labeled as a charge off. It is still reporting as late. Every time a dispute is put in my credit score drops because they add late payments.
Consumer complaint received 2022-07-16
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. (AL)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-16
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. (AL)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-16
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (MI)

Though it does credit card business in the millions in the state, the company is not registered to do business in Michigan or in Missouri where it publishes a post office box address. Thus it provides no registered address where or resident agent on whom service of process can be had. This effectively makes it difficult, if not impossible, for it to be brought into court to answer for its delicts.
Consumer complaint received 2022-07-16
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. (TX)

I sent a letter on XX/XX/XXXX to remove information on my Credit File that are UNKNOWN to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. The XXXX and TransUnion Credit Bureaus have failed to comply with the FCRA sectiob 605b and continued reporting the items I was disputing wiwhout proper verification. Ive already included the Fraudulent infromation in my previous Complaints & I am including it again. 
XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$5400.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$0.00}. If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-16
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)

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, 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 instruction
Consumer complaint received 2022-07-16
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. (NJ)

It is my 16th attempt to complain that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. I found out that under section 605b of the FCRA Experian Credit Bureau is required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 Balance Owed : {$0.00}
Consumer complaint received 2022-07-16
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. (NJ)

I am sending a complaint in response to a notification on my credit report. The account XXXX  XXXX XXXX Balance Owed : {$0.00} reported was inaccurate and erroneous and is leading to negative impacts on my credit file. I am including proof that the account on the credit report is incorrect.The Experian credit bureau must validate this account 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
Consumer complaint received 2023-06-30
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)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-12
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-30
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. (CA)

In accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 
XXXX15 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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 USC 1681s-7 ( A ) ( i ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES : Negative information ( A ) Notice to consumer required ( i ) in general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( P ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) notice effective for subsequent submissions After providing such notice the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to customer.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute an outdated account that has surfaced on my credit report. After thorough examination, I have identified an installment account that does not accurately reflect my current financial status. This discrepancy spans my entire credit profile, including inaccuracies in Account Numbers and the covert concealment of certain account details, which contravenes legal statutes. 
Account XXXX : XXXXDept of ED XXXX XXXXXXXX XXXX XXXX Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment. These disparities have been meticulously documented across all credit bureaus and will serve as vital evidence as I endeavor to rectify the inaccuracies within my credit report. 
Additionally, it's crucial to note that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' may constitute violations of consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). 
The outdated account I am disputing are as follows : I appreciate your prompt attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA regulations, I insist on receiving a response within 30 days from the date of this correspondence. Failure to address and rectify these inaccuracies within the stipulated timeframe will leave me with no alternative but to pursue further legal action against the credit bureau.
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NV)

I can't stop these unauthorized charges from coming out of my account at NFCU. I called NFCU twice today ; and the representative had me on hold for an hour, went silent and then ended the call. Called a second time, representative transferred me and call ended again. I asked NFCU to dispute the below fraudulent charges from company XXXX - this company tried to charge my other cards in the past as well and I had to dispute. 

XX/XX/2022 Pending XXXX Debit - XXXX  Check Card XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXX  - {$0.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXX XXXX  CA XXXX - {$19.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXX XXXX  CA XXXX - {$9.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$4.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$9.00} -- The below from XXXX are unauthorized charges made by a minor- separate from the fraud charges from XXXX : XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXXXXXX XXXX XXXXXXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX  XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXXXXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX  XXXX XXXX XXXX # CA XXXX - {$2.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX - {$19.00}
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (CA)

In my comcrica bank checking account, there were XXXX transfers from XXXX to XXXX, all of which were transferred to XXXX XXXX XXXX. The total amount was about XXXX yuan. I didn't transfer these money. My account number is XXXX, I want to get my money back.