davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} TransUnion XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-06-13
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: Carter-Young, Inc. (GA)

My name is XXXX XXXX, a federally protected consumer and Im making this follow up complaint against XXXX XXXX in refrence to cfpb complaint # XXXX XXXX XXXX continues to violate my cease and desist that was mailed to them. XXXX XXXX is suppose to cease and communication, indirectly and directly through all mediums. 

If a debt collector agreed to cease communication, they also agreed to cease credit reporting. Communication under the FDCPA means the conveying of information regarding a debt directly or INDIRECTLY to ANY PERSON through ANY MEDIUM. My credit report is a medium. 

XXXX XXXX XXXX XXXX XXXX XXXX stated As requested, we will honor the consumer 's request to cease communication. This communication is from a debt collector. 

But XXXX XXXX is still furnishing this account on my credit report.
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the FCRA, the following accounts have violated my rights. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a conumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions. 15 USC 1666 B states addedly, that 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 2024-10-25
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. (FL)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-31
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : Experian XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-05-31
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. (NY)

Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-09-18
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. (DE)

" XXXX XXXX '' has been deleted from my XXXX credit report but not from any of the other 2 major Bureaus. Please correct this and delete this account from my credit profile immediately. 

Account # : XXXX needs to be deleted immediately from XXXX AND TRANSUNION.
Consumer complaint received 2022-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Javitch, Block & Rathbone LLC (TX)

I had an out court debt settlement pay arrangement to a debt with this company. The company did not show up the Scheduled Court Hearing and their did not respond to Judge and myselft about the No Show. The Judge advised sent in the final payment of the arrangement. On XX/XX/XXXX I received the Cashiers Check from the Debt Collector staying that I can not request and letter stating that the agreement was paid full.
Consumer complaint received 2022-05-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

To whom it may concern I am not a lawyer : This account contract and signature spell incorrectly and it's not my signature investigate this properly. Nissan Motors allege that there is an account that belongs to me # XXXX for the past two years I have been disputed this account with Nissan Motors I also disputed this account with all credit bureaus apparently this account comes back verifiable it seems no matter how many times I dispute this account the credit bureaus do not do a proper investigation in the process of the two years I have been disputed this account I have taking the time to practiced. I am not knowledgeable of when this account was generated I am being forced to announce whit all my respect to the credit bureau and the cfpb.to enforce us code 15 u.s code 1692k-civil liability- ( a ) ( 1 ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) And 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( A ) And ( b ) Opt out In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-05-31
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Javitch, Block & Rathbone LLC (TN)

I was served garnishment papers at work on XX/XX/XXXX and the company suing me was Javitch Block representing XXXX XXXX. When I called the courthouse, this was from papers that had been originally served and money taken from my check for 6 months back in XXXX. Apparently when Javitch block ceased taking money from me, they supposedly didnt collect the full amount. I was never made aware of this and I had not been contacted in over two years regarding this. I have called 10 times in 10 days and left 4 messages with no contact back. I have sent emails with no communication back. How can they come back and just start taking more money from me when there was no communication? Why was this not resolved in XXXX when they were taking money the first time? Why will they not reach back out to me?
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-18
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. (TX)

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account - 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 instructions
Consumer complaint received 2023-01-23
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. (MI)

I have made several attempts in XXXX to offset the balance of debt the accounts claim I owe. All of the accounts refuse to accept the some or all of the payments I sent them to offset the debt. As a result my credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894.

The Credit Furnishers are using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts and balances in question are listed below : XXXX  XXXX- {$29000.00} XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$780.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) Section ( b ) states, no consumer reporting agency may make any consumer report contain any of the following items of information.

( 5 ) Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information. 

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-14
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NC)

XXXX XXXX is my XXXX XXXX XXXX son. American Coradius International LLC set a letter addressed to XXXX to our address claiming XXXX owes XXXX {$540.00}. XXXX is a minor in the state of Notth Carolina. His parents never authorized or allowed XXXX to make any payments with XXXX. Our banking institutions disallowed any attempt for payment by XXXX who is a minor.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I went and applied for a car loan and was told my report would only be ran once, but there are over XXXX hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.
Consumer complaint received 2022-03-09
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. (OR)

I need to provide them with a police report and I'm still waiting for it to be completed. I'm trying to get my house refinanced and the fraudulent collection is effecting my credit score so I co n't get an acceptable rate. The Expirian person in Fraud advised me to contact the FTC and that the credit agency can take action quickly once I do that.
Consumer complaint received 2022-09-18
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instructions.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SD)

My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.