davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: ALLY FINANCIAL INC. (NE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX You are in Direct violation of the Fair Care Act Reporting ( Account Name and Numbers ) 15 U.S.C 1681 section 602 A. Clearly states that i have the right privacy.

15 U.S.C 1681 Section 602 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payment and update the account information immediately as yu are in direct violation of several laws under The Fair Credit Reporting Act!
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (AL)

I attended XXXX XXXX XXXX from Fall of XXXX to spring or XXXX. I waited all XXXX  for my diploma in the mail, but I never received. I visited on campus to get a replacement and was told I owed {$25.00} dollars for the diploma and a certificate. I have the statement to prove that I paid the {$25.00}. I never visited or attended the college again. A few days ago I got a credit report discrepancy from Williams and Fudge for a {$25.00} dollar charge from XXXX XXXX XXXX. I called their business department several times and no one picked up so I went on campus to discuss. They were confused by the charges and needed to speak to the lady that put the charges on my account. I got a call back that the extra charge was for the certificate. The issue I have is that they did not properly disclose that this was an extra charge and only told me that I owed {$25.00} dollars for the diploma and the certificate. They then put the charge on my account the next day. I was never notified of this being added to my account and never received a bill in the mail for this charge. Now, 6 years later they have sent to Williams and Fudge and my credit score has been knocked down almost XXXX points. I do not feel that this should be on my credit report because I was not billed correctly the day that I visited the campus, and I was never notified of owing this for years.
Consumer complaint received 2022-12-17
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. (FL)

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX - XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

Company name : XXXX XXXX XXXX. 

issue, this company continues to violate the fair Credit reporting Act and the Fair debit Collection Practice Act.

This Collection company As well as the original cr
editor received my request to investigate this account as fraud a number of times. The problem is that every time I ask them to conduct a investigation, the credit reporting agency would open the investigation and 10 mins later I would receive a automatic response saying that my request was made in error. 

Everytime that I have to do this, takes away from my original request to have this investigated. 

more then enough information was provided to the company and to the credit reporting agencies to have this fraud account removed months ago. 

I feel that my rights are being walked over on. 

If you look at the screen shot of XXXX, it clearly shows that they are not keeping accurate records with my file. there are multiple names and addresses not mention the employer information shows companies that I have not worked for. 

in addition, navy Federal is trying to collect on this account twice.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 n 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 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 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 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 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2023-04-14
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nathan & Nathan, P.C. (TN)

I received a collection letter from Nathan and Nathan with an address to respond at XXXX XXXX XXXX, XXXX, AL XXXX on XX/XX/2023, regarding a debt that they state they purchased from XXXX XXXX XXXX requesting that I respond by XX/XX/2023 to dispute all or part of the debt. I responded in writing and sent via certified mail on XX/XX/2023, requesting validation of debt pursuant to the FAIR DEBT COLLECTION PRACTICES ACT. In that same letter I asked that they no longer contact me via phone and that all communication be sent to my home address which was provided in the letter. I received confirmation of receipt dated XX/XX/2023 in which XXXX signed for the envelope ( USPS tracking number : XXXX ). Since then I have received numerous phone calls and messages to my phone and NO response to the proof of debt validation. Received a call on XX/XX/2023 and a voicemail was left, XX/XX/2023 call received and a voicemail was left, XXXX XXXX call received and a voicemail was left, and the last one was on XX/XX/2023 call received and a voicemail was left. Not only have they not responded to my request for validation of debt but they continue to harass me with phone calls when asked not to. In the letter I asked that if debt validation was not presented within 30 days of their receipt of request for validation, all references to this account be deleted and completely removed from any credit bureaus reporting platforms and that a copy of such request for deletion be forwarded to me immediately.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

I got a notification through XXXX  XXXX  that I owed XXXX to a company called sunrise credit services, once I looked into it its a collections agency that is connected to XXXX XXXX XXXX, i do not have any accounts with XXXX XXXX XXXX XXXX and have never had them. Once I tried to dispute it and get it off my credit, nothing happened and they are still fighting saying that I owe them XXXX which I do not
Consumer complaint received 2023-05-20
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. (VA)

I reviewed my consumer reports and notice that I had one single late payment on an account that I was NEVER late for. Consumer Reporting Agencies have assumed a vital role and a have a responsibility to report Consumer information to best of their ability with Maximum Accuracy! I have NEVER been late for payments on this account ( Account Name - XXXX XXXX  ) ( Account number - XXXX ) please thoroughly investigate and provide PROOF with statements of payments being late. If proof CAN NOT be provided I DEMAND this payment be updated to on time as it should be, as I was NEVER late. Thanks.
Consumer complaint received 2022-11-11
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. (IL)

In accordance with the Fair Credit Reporting act. The Truth in Lending Act is intended to inform consumers about the cost of credit act. The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the XXXX XXXX XXXX is in the debt collection business or that the communication relates to the collection of a debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Consumer complaint received 2024-09-26
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 formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.
Consumer complaint received 2024-08-27
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. (CA)

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.

All ACCOUNTS BE REMOVED All INQUIRES BE REMOVED, this 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 States A Consumer Reporting Agency CAN NOT FURNISH AN ACCOUNT WITHOUT 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, other than adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

A person shall not FURNISH information relating to a consumer to any consumer Reporting agency
Consumer complaint received 2023-02-20
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. (SC)

I asked the credit Bureau to do a THOROUGH investigation/verification of my credit report, they did... They stated that everything was accurate. I then did a thorough research myself and found multiple improper inaccuracies on the credit report even after they did the " thorough '' research. 

Here are the accounts etc listed below : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account ( s ) without my written instructions.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

All of the bureaus are diclimg a refusing to remove or dispute any of the inaccurate items that are on my credit. I continue to ask them to show me proof of who thery verified information from and when they continue to ignore me and violate my consumer rights.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!