davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

This is in regards to Complaint Number XXXX. This account is a joint account containing misinformation, inaccurate information and it's attempting to collect upon a debt illegally. 

On XX/XX/2021, sent a letter disputing the validity of this debt. The response to the letter of dispute was a debt notice letter dated XX/XX/2021. IQ Data International responded without presenting any evidence supporting their claim that I owe this debt. This first correspondence reads like the first notice of debt collection, only sharing the principle balance and including interest fees and not addressing any of the written requests from my initial letter. Both parties within this account have reached out to this company and received the same type of lackluster response. 

A second letter was sent to again, request further detail information about this debt that's alleged owed to this parties on this account. After not hearing back from IQ Data International within the legal 30 day time frame, a letter was sent out XX/XX/2021. This letter detailed the lack of timely correspondence between IQ Data International and the parties on this account, also detailed the FDCPA and FCRA violations. Three days later there were letters received dated XX/XX/2021 but postmarked XX/XX/2021. These letters deceptively try to pass off as " validation of debt '' requested XX/XX/2021. Two months later, these letters have attached itemized charge lists with inaccurate information and fraudulent, double charges with no description or photos attached. There is no written agreement, contract or signed notice verifying this debt. 

All of these unlawful practices has caused detriment to the documentation of the correspondence with this company while in pursuit of rectifying this matter. It has also created consumer distrust in this company and their permissible purpose to collect debt. I have no knowledge of this account, the alleged fees or the claims made that I owe this debt. This company continues to accrue interest and frequently reports this misinformation to the National Credit Bureaus. Everything aforementioned are clear FDCPA violations. 

To be clear, I have not entered a contract with this agency for collection of any debt they claim I owe or the illegal interest accrual, late charges or anything else they claim is owed nor do I accept ownership of this account and charges listed. Each instance of this process has been documented since XX/XX/2021 and the deceptive practices this company continues to take part in such as misrepresentation, illegal collection of debt and interest fees, failure to validate/verify legal debt and failure to comply with federal and state laws. They have added over $ 300+ in interest and have refused to provide any proof showing their right to collect this debt or oversee this account with my personal information.
Consumer complaint received 2022-02-19
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. (MO)

The Experian XXXX XXXX XXXX ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting XXXX reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-19
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: OneMain Finance Corporation (MO)

The XXXX credit reporting agency is reporting inaccurate information on the account ONEMAIN. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. The charge off period reported is not accurately reflected in the policy. The data furnisher has breached the policy & are reporting this information inaccurately. Secondly the FCRA, which requires all reporting to be 100 % accurate, is not being adhered to legally. Since this account information is NOT 100 % accurate it must be deleted from the CBs report.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (VA)

these deletions.

4. Notify me in writing of the results of your investigation.

Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-23
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: EQUIFAX, INC. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-22
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. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX  XXXX {$17000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX balance : {$4900.00}
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Consumer complaint received 2024-08-28
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)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXX XXXX ( XX/XX/year> Account # XXXX inmate Account # XXXX XXXX & XXXX XX/XX/year> I looked at my EXPERIAN credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) in general if after and reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified, or deleted from the file of the consumer. And according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CT)

A check in the amount of {$5100.00} was deposited to Citibank account ending in XXXX which is now closed, in XXXX of XXXX, issued to myself from XXXX XXXX Mediation Program Administrator.. The item was intercepted by a cousin with similar name, XXXX XXXX, signature forged, deposited via mail I believe. The cousin does not use a middle initial, my middle initial is XXXX for XXXX. Further, this account was opened fraudulently using my social security number by him, he is unable to open deposit accounts due to credit issues. He intercepted check after I moved from address which was in XXXX of XXXX, check was sent in XXXX via XXXX, intercepted by him. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. Check was sent to prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. I became aware of this in XXXX of XXXX, alerted XXXX XXXX of non-receipt of payment, an affidavit was sent to me in XX/XX/XXXX to investigate. The investigation closed, supposedly resolved, Citibank claims account opened in my name, unaware of fraud including opening of account and interception of check ... .This information from Citibank was provided to me by XXXX XXXX XXXX my claim rep with XXXX XXXX . This payment represents compensation for unauthorized accounts opened by XXXX XXXX reps in addition to current account, the premise for bill pay when only XXXX account is needed for such service. I request Citibank release funds from account, send them back to XXXX XXXX in order for them to pay me for this item.
Consumer complaint received 2022-02-09
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: CLGF Holdco 1, LLC (IL)

CB INDIGO ( Bank ) XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from Insigo Mastercard to XXXX. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.
Consumer complaint received 2022-02-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I closed this account but they contacted my ex husband and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now 15 years later ex is not paying but XXXX  will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at XXXX  and they apologized but could do nothing for me
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (CA)

Experian, XXXX, XXXX has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act
Consumer complaint received 2024-12-10
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (CA)

After receiving my card, I followed the instructions to create a username and password. However, during the card number verification step, the website repeatedly showed errors, preventing me from completing the registration process. As a result, I do not have access to a login ID or password. Despite reporting these issues, the company has not provided any assistance. 

Customer service suggested using the card at an ATM or in person instead of resolving the login issue. I have provided all necessary verification but still can not regain access to my locked account. 

I would prefer to transfer the funds to my bank account or receive a check to avoid having my money tied to Money Network. In the future, I will opt to receive funds via check to avoid the unnecessary stress of dealing with Money Network 's inadequate support.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This account was opened on the following deta : XX/XX/XXXX there are no on time payment from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payment XX/XX/XXXX to XX/XX/XXXX this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX # XXXX XXXX -- -- XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Dear XXXX, I have reached out to your office numerous times regarding my situation as a victim of identity theft. I have provided multiple documents to support my case and would like assistance in resolving this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account # XXXX. 15 U.S.C 1681 section 602A States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), there is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.
Consumer complaint received 2022-09-27
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. (PA)

In accordance with the Fair Credit Reporting Act. 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 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted Transunion at XXXX ( XXXX ) XXXX via phone and was advised by Transunion service representative in order to start the process of restoring positive information that was removed from credit file I would need to complete a dispute letter and attached two additional forms of identification Driver License and Social Security Card. Sent dispute letter via certified mail using form XXXX with return signature. Sent dispute letter on XX/XX/XXXX and letter was received on XX/XX/XXXX and i have enclosed a copy of form XXXX. Requesting Transunion to retrieve deleted credit file and restore it back to my credit file. 
XXXXXXXX XXXX account # XXXX opened XX/XX/XXXX
Consumer complaint received 2022-11-01
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. (MA)

I haven't been working for a couple of years due to XXXX XXXXXXXX, and since I am recovering. Thinking about returning to work by XXXX ; hopefully, all goes well. I decided to check my credit report in order to know my credit scores before applying to a company based on a human resource expert 's advice. After reviewing my reports, I realized these inquiries that I didn't authorize on my credit reports. I called two of the bureaus, but couldn't get through because it takes longer than I expected. I decided to immediately file a fraud report because it was fraudulent. It wasn't authorized by me and I have no clue why. 
These are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX