davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

MY PERSONAL INFORMATION WAS EXPOSED IN EQUIFAX BREACH. I SENT MULTIPLE LETTERS TO EQUIFAX IN REGRADS TO THE FOLLOWING ACCOUNTS AND EQUIFAX HAS YET TO REMOVE THESE ACCOUNTS. THIS IS MY LAST ATTEMPT TO RESLOVE THIS MATTER BEFORE I PURSUE LITIGATION AGAINST EQUIFAX. 
1. Deficient of Physically Verified Validation XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

2. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

3. I have no Knowledge of this Account XXXX XXXX XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

4. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

5. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

6. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

7. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

8. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (NY)

United auto credit account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to XXXX and XXXX XXXX  is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

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
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (ID)

In the Summer and Fall of XX/XX/2020, I was a victim of identity theft ; while living in XXXX on XXXX XXXX orders, a criminal stole my identity to open a XXXX account in XXXX TX, which then was left unpaid for the amount of {$740.00} and change. To make a long story short, it took me a month of staying awake in the middle of the night to contact the XXXX XXXX police department ( of which I was a resident before moving to XXXX XXXX, the XXXX police department, the three credit bureaus, and XXXX itself to follow up on my case. 
Eventually, the fraudulent charges were taken off my credit reports, and I was advised by XXXX and XXXX to activate a free service, which would allow me to lock and unlock my credit report at my convenience. When I contacted Experian regarding this service, they advised me that the very same service cost {$25.00} per month. After contacting them again today XX/XX/XXXX at XXXX XXXX XXXX, XXXX from the XXXX XXXX Department, reported Experian will not provide me access to this service for free, regardless of being an XXXX XXXX identity theft victim. She suggested I, instead, keep a freeze on my account, but that is not a feasible solution for me because I still want to have the ability to request credit at my convenience. Ultimately, as a " forced '' consumer, I would like to have the ability to provide access to my credit to whichever company I decide I want to share the information with, at my convenience, not Experian 's convenience, and it is ludicrous to me that I have to pay a {$25.00} to do so, especially when the other two bureaus offer this service for free. In addition, living overseas makes my attempts at monitoring my credit harder because of the differences in time zones XXXX XXXX to CONUS ), and being able to manage my own credit would provide me with some needed relief and peace of mind.
Consumer complaint received 2020-08-28
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. (AR)

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}
Consumer complaint received 2023-03-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX, FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS THIS.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CA)

I co-signed on an auto loan with Santander ( SCUSA/GATEWAY ONE ), I had to co-signed since my boyfriend at the time was what banks label as high risk borrower, however Santander accepted to finance the vehicle as long he gets a co-signer and with a little higher interest rate. Unfortunately, the loan became impossible to pay, base on our calculations 95 % of the monthly payments went to the interest and not to the principal, me and the cosigned had to stop making the payments and the vehicle was repossessed, sold and the finance company is collecting a deficiency balance. A few weeks ago, during a web search, I found there us a coalition of multiple attorney generals who recently announced a settlement with Santander Consumer, this settlement includes money in relief for the consumers and deficiency waivers. I found this settlement resolve a lawsuit that Santander violated consumer protection laws by exposing subprime consumers, high risk borrowers, to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with high probability of default. I really think my loan is part of this allegations against Santander since they put us in an extremely high risk of default with an incredible high interest rate. 
I contacted the settlement administrator and they asked me to contact Santander, I did but every time I contact them advise me, I will get a letter or notifications in my mail, but they HAD never looked for my account ; so, there is nowhere to go.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am being taken advantage of by the Bureau Equifax and the creditors, I have spoke with all companies involved in this matter of unauthorized inquiries being placed on my consumer file. I spoke with representatives from Equifax and the creditors who are responsible for those unauthorized inquiries on different occasions to get this issue fixed and they all are lying to me. Equifax told me by phone that I need to contact the creditors who placed the inquires on my consumer file and tell them to write requesting them to remove the inquiries. I also contacted the creditors that placed the hard inquires on my credit file and was told by representatives that the Bureaus are responsible for reporting and have the authority to remove the inquiries from my credit report. I am being taken advantage of as a consumer and being lied to by all parties involved and I am seeking litigation because of the FCRA laws state that information that is inaccurate and unverified has to be removed from one 's credit report and Equifax is reporting Inquiries that do not belong to me nor have open accounts with any of the creditors that has reported that to the bureaus. This is fraudulent, I am totally in distressed and very harmed by this matter, I feel I am being ignored.
Consumer complaint received 2021-09-13
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. (OH)

TransUnion I filed a dispute about the XXXX XXXX XXXX entry. It's reporting that my balance is {$470.00}. It's not true my balance is {$270.00} which is being reporting by another credit reporting agency. I made payment to the original debtor of {$200.00}. Then that debt was sold to XXXX XXXX which is collecting for the {$270.00}. How can I owe a collection agency more money than the debt actually is. 
Transunion said they verified the debt an it's accurate. That is not true. The original debtor is XXXX XXXX. I only owe {$270.00}. 

So both XXXX XXXX and TransUnion are falsely reporting the debt. I have disputed thru XXXX XXXX to no avail.
Consumer complaint received 2023-06-12
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. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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. (MD)

In accordance with the Fair Credit Report 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 # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this information is inaccurate.
Consumer complaint received 2023-06-12
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-03
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: Experian Information Solutions Inc. (MD)

I disputed false reporting of a XXXX XXXX account on my report in XX/XX/XXXX. Experien stated that it was verified, however the information being reported ( repossession and balance ) were not true. Fast forward to XX/XX/XXXX, I received a letter ( enclosed ) from XXXX XXXX stating such and refunding me money owed due to their negligence. However, when I tried to redispute this with Experian to have the account removed, their system will not allow it.
Consumer complaint received 2022-12-20
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX DATE:XXXX CREDIT CORP SOLUTIONS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT CORP SOLUTIONS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, FL XXXX
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax - I have sent several dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.
Consumer complaint received 2023-06-12
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. (FL)

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX  XXXX XXXX  XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.