davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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. (OH)

As a follow-up to a prior CFPB complaint I made to the credit bureaus, XXXX XXXX is submitting this CFPB complaint. On XX/XX/XXXX, I submitted a letter to the credit bureaus asking them to delete credit inquiries that aren't related to me. The XXXX data leak compromised my personal information. I would like the following inquiries to immediately sever all ties to me because they are not associated with me and have neither approved nor received any money, products, or services as a consequence of identity theft. I just learned about this regulation, and it states that you must delete all accounts and information no later than four business days following XX/XX/XXXX, in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my prior complaints, and I'm repeating it here as well : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (PA)

Hello. This is a response to a listing on my credit report. Please be advised that L J Ross Associates, Inc has reported invalid information to the credit bureaus ( XXXX, XXXX, and XXXX ). This may constitute fraud under both federal and state law. Also, a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and placed an account on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number # XXXX ). XXXX tried to place this account again ( for collection ) with XXXX XXXX XXXX in XXXX. And again, this year ( XXXX ) with L J ROSS ASSOCIATES , INC . I am prepared to take legal action if this information is not removed from my credit files. Please assist. Thank you.
Consumer complaint received 2022-09-23
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. (IN)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about of the identity theft. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud. 
XXXX XXXX Balance : {$370.00} ; XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX BUILDING XXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-23
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: EQUIFAX, INC. (GA)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp (NV)

a faulty background check company, Contemporary Information CorpXXXX improperly shared information about me from the public domain with a property management company without my permission. When this information was shared it was inaccurately interpreted thereby causing me to be denied the opportunity to rent a house of my choosing. Also, the same background check company reportedly gathered credit score information on me but neglected to pull a full report from XXXX as well, therefore only sharing a partial report on my credit scores from a new scoring company named XXXX. XXXX 's primary usage of XXXX scores is only half the reporting. XXXX scores are widely known to present lower credit scores for consumers thereby diminishing credit worthiness to a potential lender or management company. XXXX somehow misinterpreted a traffic citation for a criminal record and passed this faulty information on to the property management company without contacting the California local court who reported the citation in 2017 to verify that their interpretation was accurate.
Consumer complaint received 2023-04-19
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account 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 COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-10-07
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. (VA)

XXXX, Experian and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (MI)

On XXXX I sent Experian a letter regarding inaccurate and unknown things on my credit report and to this day I haven't received a response yet. I am deeply upset and frustrated and feel like i'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days requires immediate removals of these items from my credit report. It has been over 30 days so I am demanding they be deleted promptly. I demand they be deleted or I will file for litigation due to the stress this is causing.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2022 I called Midland credit management to pay off 3 items in my credit report totaling XXXX. The person I spoken with advised me that the items would be removed in 30 days. On XX/XX/XXXX I noticed that the items were still showing on my credit report. I called Midland credit management back and he told me that the items werent paid for and that Id have to pay them again. To let him theres no way my paying twice.
Consumer complaint received 2022-07-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United PanAm Financial Corp. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

UNITED AUTO CREDIT C XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX  CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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. (OH)

Ive asked that two negative credit accounts that are closed XXXX XXXX XXXX XXXX and XXXX XXXX ) and have been opened more than7 years ago, be removed from my report. They have not.
Consumer complaint received 2022-09-08
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. (TN)

I bought my first car in 2019 after the fact I had some issues with them pulling my credit using my social security number and I had to have my dad cosign. A few months after I got a call from a lady who thought I was using her credit as fraud. That however was not the case my social and her social are one digit off our birthdays are about two weeks apart born the same year and both of our names are identical other than middle names, so I believe we have a file mix up. After multiple failed attempts to contact all the credit bureaus to get access to my credit report I could not access because the information is combined. I was informed by the bureaus to mail in a letter with an explanation on the issues and a copy of my social and id. I did that and only got two bureaus to respond and all they sent me were my credit reports which showed me that the social on my accounts was not mine, but it was my name it also had the other lady 's name on my credit report the addresses were also mixed up. I have multiple debts on my credit report that are NOT mine there is also multiple applications for things I have never applied for. It also shows student loan and a home mortgage it is a complete mess and as I said above, I have been in contact to all the bureaus and none of them have offered any assistance on helping get the files separated I do not have access to any online credit reports to even go dispute things because I can't verify information that's connected to my social because it's the other womans information. I am very upset that the bureaus have not taken this issue more seriously I can not get approved for anything I apply for I can't own a home or even get a student loan if I wanted to this issue needs to be resolved asap, I have tried multiple attempts to fix the issue myself and have just been sent in circles.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XXXX of XXXX I received a Capital One 360 card in the mail. I called the company the next day ( I don't know the exact date ) & told them I did not open an account with them & I didn't have an old account with them. I asked them to please close the account and after some time on the phone & a few questions they said the account was now closed. I received a statement in the mail that says the account was closed on XX/XX/XXXX but I would like to know how this account was opened in my name without my consent
Consumer complaint received 2022-11-08
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. (OH)

As a follow-up to a prior CFPB complaint I made to the credit bureaus, XXXX XXXX is submitting this CFPB complaint. On XX/XX/XXXX, I submitted a letter to the credit bureaus asking them to delete credit inquiries that aren't related to me. The XXXX data leak compromised my personal information. I would like the following inquiries to immediately sever all ties to me because they are not associated with me and have neither approved nor received any money, products, or services as a consequence of identity theft. I just learned about this regulation, and it states that you must delete all accounts and information no later than four business days following XX/XX/XXXX, in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my prior complaints, and I'm repeating it here as well : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (NV)

I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (KY)

Received a debt collection notice from Caine and Weiner Company for a {$190.00} bill from XXXX XXXX XXXX I have never used this service and have never received any previous bills from XXXX stating I owed them any amount of money. This is a case of fraud or mistaken identity. I contacted the collection company and they want a police report in order to start a fraud claim. I do not wish to go through all the trouble when I never did this in the first place and have not had any fraudulent charges on any of my accounts that would have occurred earlier this year. I want this to be settled and do not have time to deal with this inconvenience. The collection company should drop this.
Consumer complaint received 2022-10-13
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. (TN)

The information XXXX XXXX XXXX of {$5500.00} from XXXXXXXX XXXX  XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.
Consumer complaint received 2022-10-13
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: Grant Mercantile Agency (NV)

On XX/XX/2022 They are stating the amount owe {$2900.00} now the amount has increased to {$4400.00} I write have Grant Mercantile Agency requesting them in writing to send me a letter method of verification used in original contracts. As of today they have not sent me original contact signed. I sent round of letters the account still remain and have nor been fully validated. 
I am asking for help with your department to look into this. They have increased the amount monthly. This is hurting my credit a lot. 

Thank you XXXX XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now im XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXXt 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