davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-27
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. (LA)

I submitted a dispute to Experian, XXXX XXXX XXXX. I have not received a response. I understand that I am given time to hear back but they are all out of time. Legally. 

I need them to remove the items on my credit report & also compensate me for breaking the law.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XXXX XXXX of 2022 I filed a dispute after contacting the IRS about my stimulus check I didn't receive ineas advised by the IRS to contact money network and let them know to refund my money to the IRS because I never received it. I was then told I had to file a dispute with them somi did after relentlessly contacting them they said my dispute was denied and asked if I could provide additional information to support the fact that I didn't receive the card and use the card i said yes I then faxed my appeal with my police report of my identity theft phone theft and i also stated I live in a home with other rooms being rented as well roommates and other suportive statement I was contacted by a supervisor on the XXXX of XXXX 2022 saying my case was reopened and to wait it's now been over 45 days since the appeal never have they sent a letter an email or even called me I've had to have called over a 100 times to get the news they I need to resend everything so I did mind you.its now past 90 days and was lied to saying my case was denied because the number that activated the card was mine which is false as well my email i just got access to again was hacked phone was stolen in the same time period states in my police report and now I'm told that they are actually be escalateing the situation so then I was being lied to and misled the whole time i was being told it was already escalted and now im being told i have to wait until they contact me this is obscurd and rambunctious my rights as a consumer financialy have been violated and still are I demand this bank be reprimanded for the acts that they feel there actions are justified especially being lied to given the run around to feel hopeless not going to happen to me please help I much appreciate you and God bless you. 
Kind regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-11
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. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 were REPOSSESSION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time, 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 and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs and repossession, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and My SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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 XXXX 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 Utility Bill, drivers License, and My SS Number as verification of my ONLY address.
Consumer complaint received 2022-09-29
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)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXX XXXXXXXXBalance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-29
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-29
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

With the student loan forgiveness going into effect, ed financial is stating that they need 170 days to process. We were told by the government that we can easily request a refund for our loans. The loan servicer is stating they did not get any information regarding loans and that they are backed up. They are giving false information and know how to proceed with the loans and are not doing so. I will lose out on loan forgiveness. I requested a refund on XX/XX/XXXX and have not received any confirmation of a refund or anything. 

I need my refund for dates XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

Hello, Ive been receiving none stop phone calls from this number with NO voicemail early mornings everyday from XX/XX/XXXX to now. They have to remember that we still have to WORK and cannon answer the phone. I work in the medical field which requires a high demand of my time. I also receive a lot of spam calls. If you do not leave a message or if its not a phone number I recognize I do not answer. Creditors can also contact me via email which has not been done. Then j check my credit report on an account that has been closed since XX/XX/XXXX stating I missed a payment which knocked me down XXXX?? Im not understanding this process.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the attached report. I am a victim of identity theft and did not make these charges. This is an ongoing issue that is affecting my credit health. I ask that the items be deleted as fast as possible 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should NOT be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent & Harmful / Negative Accounts XXXX - Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$5700.00} CONTINUED ON NEXT PAGE XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3200.00} XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX - Account # : XXXX Account Opened XXXX XX/XX/XXXX Balance Reported : {$1400.00} XXXX  XXXX - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1500.00} XXXX XXXX  - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$2500.00} UNAUTHORIZED INQUIRIES CONTINUED. 
Inquiry Name - XXXX XXXX XXXX XXXX  Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX XXXX  Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX XXXX XXXX and Loan Companies Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX
Consumer complaint received 2022-09-28
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against XXXX and TransUnion credit agency for not allowing me as a consumer to dispute unauthorized inquiries that are on my credit report. Both bureaus told me to file a police report with the police department, I did and call back they still would not accept nor allow me to file a dispute. It is my understanding that anything inaccurate on your credit report you have the right to dispute. 
You go to one dealer to purchase a car next thing you know you have multiple inquiries, if you have only authorized one and have 2,3 ,4, and more that is unauthorized if you did not give permission or had no knowledge the same thing with mortgage. Please help me in getting this resolved.
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (TX)

I requested validation twice. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. They should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 ay validation request to prove i owe the debt to XXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (FL)

I am filing a complaint against Spring oaks capital LLC. Ive never done business or have any written agreement with this company. Spring oaks capital LLC is reporting inaccuracies on my credit file. Wrong address, wrong dates that does not match the credit bureaus and is violating 15 USC 1681i5a. This is also aggregated Identity theft which violates 18 USC 1028A. This needs to be removed from my credit file because I am a natural person and a consumer under federal law. I have no obligation of any debt, all debts belong to the United States. You have within 30 days to respond per 15 USC 1681i2 or this law is violated. Spring oaks capital LLC need to respond with my signature of consent to do business with them. That does not exist because this is fraudulent activity. Monetary damage applies per 15 USC 1692k for each law violated.