davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (MS)

XXXX, XXXX, & EXPERIAN has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, XXXX, & EXPERIAN has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, XXXX, & EXPERIAN failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.
Consumer complaint received 2023-02-26
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)

Experian is still reporting a debt that was not verified in 30 days according to fair credit report act. XXXX and XXXX deleted the false report but Experian continues to report. The request was made verbally via call in XX/XX/XXXX with no response from creditor. And then a written request was submitted and received by the creditor on XX/XX/XXXX. The company failed to verify the debt. As of XX/XX/XXXX ( a month beyond the 30 day window or 65 days later ) the company had still not responded. 

Numerous letter have been sent to have this removed and they keep saying its verified when clearly it has not met the requirements.
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Check my previous complaint where they responded that they would stop calling as of XX/XX/2020 since this is not the number of any person who has done business with them. They have not stopped calling for one day, and they call up to 4 times per day every single day. Between XXXX to XXXX so far ( it's only XXXX so they might call a few more times ) just in those 3 days they have called XXXX times. These are willful FDCPA violations.
Consumer complaint received 2023-02-26
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. (AL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2020-06-23
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. (MO)

I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.XXXX   XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}
Consumer complaint received 2020-06-23
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00}
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.XXXX   XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00}
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft a security breach and a mixed file. I have mailed proof of my identity several times only to be told it was never received. I have uploaded the same information through the upload portal since I do not have access to my credit profiles only to be told by some reps they see it and others they do not. I have called and spent hours over day in excess of 8 hours on some days trying to get help with this issue so it can be resolved and I can monitor my credit and begin the road to recovery from this mess. Yet these 3 agencies have not been helpful in any way. Despite me telling them I have mailed in the documents needed and uploaded them which has put this correction to my report and deletion of any file that has information that does not belong to me, they refuse to assist me and continue to tell me to mail in forms that will take an additional 30 days probably to receive and another 30 days to process if they even get to them at all. So if they never get them and I have waited 30 days to check now I have to send in the forms via mail again and wait another 30 the same as I have been since XXXX of 2022. I have requested help to make my online profile and account accessible to me and that has not been done. My account is unable to be verified online since they have my information mixed with someone else 's so when the systems try to authenticate me the authentication is unsuccessful. Despite this being what these companies should be able to do no one has been able to resolve this issue and provide me access to my credit reports then when I ask for them to be mailed to me they never arrive. I'm not sure what is in the air these days but people are comfortable with not doing their jobs and have the nerve to get upset the the person their lack of follow through or know how is affecting in a negative manner.
Consumer complaint received 2019-03-19
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. (NM)

Hi, I have reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.
Consumer complaint received 2020-06-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

Nearly two months ago, I disputed information on my Experian consumer report in part with respect to inaccurate descriptions of my account with XXXX XXXX XXXX XXXX. On XX/XX/2020 Experian responded ( attached ) requesting additional relevant documentation. I replied to Experian on XX/XX/2020 with additional relevant documentation including court records ( attached ). This submission grants Experian an additional 15 days to investigate my dispute by statutory requirement ( FCRA ). However, I have not heard from Experian about the status of my dispute with XXXX as of today 's date.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (TX)

On XXXX XXXX, 2023, I submitted a payment to settle this account in collection. It has now been 40+ days since I submitted this payment and asked them twice to update their records and my credit bureaus and nothing has been done.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX  # XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXXXXXX FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXXXXXX XXXX  Inquired on 03/30/2021 On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XXXX Balance {$800.00} Status Account charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XXXX XXXX 
XXXX  Potentially negative Date opened XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XXXX  Balance - Status Closed.
Consumer complaint received 2020-11-27
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: CRESCO CAPITAL INC. (FL)

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX 2020, CRESCO CAPITAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}
Consumer complaint received 2020-06-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC (AZ)

I have student loans with XXXX State University that somehow went to collections when the rest of my loans didn't. I've tried numerous times to contact and speak to someone from XXXX but have had no luck. 

They have sent a balance of {$8500.00} to collections twice. Once with XXXX XXXX XXXX, which I was able to delete off XXXX   and XXXX with the help of XXXX XXXX, but now they sent it to another collections agency Reliant Capital Solutions almost a year later. 

Reliant Capital Solutions has been constantly contacting me over this amount and already sent it to XXXX which dropped my credit score 84 points and causing a huge disruption in my life when i'm trying to buy a house.
Consumer complaint received 2023-02-25
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. (IL)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 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 2023-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I am being penalized for a bill that my ex will not pay sum of XXXX dollars I have provided statements that I did not reside at the address after moving from this address they refuse to remove my name from account in question I have never received any letters stating they were trying to collect this debt at my apt it just popped up on my credit report
Consumer complaint received 2020-06-23
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I hired a credit repair agency almost 2 years ago and there have been five different rounds of attempts to resolve the issue and the company is just not budging on anything and they are reporting to two of the three credit bureaus at the moment and its greatly affecting my credit scores.