davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (CA)

In accordance with the fair credit reporting act the list of of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXXXXXX XXXX  DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX collection amount XXXX ADRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT {$640.00} ADRESS XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX OF XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ANOUNT {$270.00} Date ASSIGNED XX/XX/XXXX XXXX submit last updated XX/XX/XXXX CHARGE OFF BALANCE {$180.00} XXXX XXXX XXXX ACCOUNT BALANCE {$910.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts 15 USC 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 XXXX years 15 USC 1681s-2 ( A ) ( XXXX ) 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 2022-08-22
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: Experian Information Solutions Inc. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, and XXXX XXXX  XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received the attached documents in the mail today. This is the 2nd time that I have received documents claiming a security breach. The 1st was from some XXXX XXXX XXXX, which I never heard of before & this one is from XXXX, also unknown. Both inquiries included credit reporting agencies.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are several accounts on my TransUnion credit report that are showing as currently delinquent when they are not. All accounts have a {$0.00} balance. 

I recently applied for an XXXX loan, and they provided me with a file that included all the accounts that were currently showing as delinquent on my credit report. I included the screenshot as a attachment. There were several items showing currently past due. 

These " delinquent '' accounts contributed to me being denied the loan. Also, my TransUnion credit score is approximately XXXX points lower than XXXX and XXXX. I believe this is because of how these accounts are showing as currently delinquent. All these accounts were either paid in full or paid through a settlement with the debtor. The accounts are all listed in the " Accounts with a Negative Pay Status '' section and are as follows : XXXX XXXXXXXX XXXX ( x XXXX ), XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX. 

I worked with a lawyer to pay negotiate the pay offs for these accounts after being tricked by a consumer debt relief program into thinking that they would help me with a solid plan to pay off my debt. After I determined that was a failure, I engaged with the lawyer and paid off every account that was delinquent. I've done all I can to repair my credit and have currently no delinquent or outstanding accounts and would like my credit score to reflect this.
Consumer complaint received 2022-06-06
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. (NY)

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 XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00}
Consumer complaint received 2022-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation (CA)

XX/XX/2023 -- I complete a XXXX card application which is confirmed that day. I never receive this card ; to this day this card has never arrived nor been activated by me. 

XX/XX/2023 -- I receive the following text : " FreeMsg : OneMain Fraud Ctr : # XXXX Case # XXXX Did you attempt {$1000.00} at XXXX XXXX XXXX with card XXXX? Reply YES or No. Opt Out reply STOP '' XX/XX/2023 -- I reply No. 

XX/XX/2023 -- FreeMsg : OneMain Fraud Ctr : Thank you. Your card is temporarily locked. We will call, or you may call XXXX with Case XXXX. 

XX/XX/2023 -- I receive a phone call requesting I pay a bill on this card that I neither received nor activated. I let them know the card was intercepted and activated fraudulently and that I have never received, activated nor used this card. They say they'll look into it and will close down the account. 

XX/XX/2023 -- I receive a phone call stating " my bill is overdue and must be paid. '' Eventually I get to an agent ; again let them know card was activated fraudulently and used for purchases. I request transfer to fraud department. I explain the situation again to fraud department ; they tell me the account was closed successfully ( although it is still showing on my credit report ). They assure me I am not responsible for fraudulent charges, they will remove account from credit reporting and to confirm my email address for an email from their " back office '' which should arrive in 7-10 business days. This email is never received ( I have continued to check spam and junk folders ). 

XX/XX/2023 -- I receive the following text message : " FreeMs : OneMain Fraud Ctr : XXXX Case XXXX Did you attempt {$32.00} at XXXX * XXXX XXXX with card XXXX? Reply YES or NO. Opt Out reply STOP '' Given the card has now been closed for over a month, this final fraud alert should pretty transparently show that the card was activated fraudulently with a fake SSN. 

Considering the slow and incompetent response, OneMain really needs to be accountable for the poor handling of fraud on their cards. This entire account needs to be removed from my credit report as was stated by their own agents.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2022-06-06
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: I.C. System, Inc. (LA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-06
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)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. 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 regards 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 account removed from my file. 
NEGATIVE ITEMS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXO ) 6XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$180.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX F XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-18
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. (NE)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-06
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)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. 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 regards 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 account removed from my file. 
NEGATIVE ITEMS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TN)

Currently using XXXX and XXXX to garnish my wages without any notice that I defaulted in judgment. This should no longer be on my credit report, yet it's listed as XXXX different balances on XXXX different bureaus.
Consumer complaint received 2022-08-23
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. (NY)

I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bill, drivers License, and W9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$100000.00}. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W9, and current Utility bill as verification of my ONLY address.
Consumer complaint received 2022-06-06
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. (CA)

Back in XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to TransUnion and XXXX to which they have not resolved my issues on my report. My family and I are truly distraught because I really need to obtain a home for the well being of my family.
Consumer complaint received 2022-08-23
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. (FL)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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. (NV)

I have accounts that I do not recognize on my credit rort from XXXX FUNDING. I can't find any records of ever doing any business for credit with this copy. Please send me any type of proof of claim for this account the is an obvisously in error.
Consumer complaint received 2022-08-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Consumer complaint received 2022-06-06
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. (MO)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXXand also the inaccurate personal information : XXXX XXXX XXXX XXXX XXXXXXXX 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 showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.