davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent my 2nd letters off to XXXX, Equifax, XXXX on Monday XXXX XX/XX/2022. Here is my tracking number Equifax # XXXX, XXXX # XXXX, XXXX # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information. 

Attached is the letters I sent out in " Good Faith ''. 
Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (TN)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel XXXX  accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2022-02-16
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. (GA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/2019 {$3500.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00}.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

I received a credit hard inquiry on my credit report from SYNCB/JC PENNEY to open a credit account. I did not request a Credit card or open line of credit from JC PENNEY. I have contacted XXXX and filed a dispute with them on my credit report. A rep at XXXX told me to file a report with the FTC/CFPB since I may be a victim of identity fraud.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CA)

I received stimulus check for {$4200.00} from the Department of Treasury of the U.S. issued XX/XX/XXXX it was mailed to my address in XXXX CA XXXX in the summer of XXXX. I delayed in cashing the check because I misplaced my mail key and I also wanted to check with the IRS if it was a check truly granted and issue to me. I checked online on the IRS website and confirm it was a legitimate stimulus check issued in my name. I deposited the physical check at my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in person at the XXXX, CA branch and XX/XX/XXXX I was able to review my account and noticed the deposit was reversed on XX/XX/XXXX. I called customer service and they informed the same check was deposit at Navy Federal Credit Union. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX Branch to get a copy of the check but unfortunately, XXXX XXXX XXXX XXXX XXXX didn't request the copy of the check processed by Navy Federal Credit Union. I was told they couldn't retrieve this information and I had to contact Navy Federal Credit Union or the IRS and reach out to their Fraud Department. After several attempts in person and over the phone with both credit unions. I was able to obtain a fax number to the Fraud Security Department at Navy Federal Credit Union when I called the customer service line XXXX the refused to put me in contact with their fraud department and all I was able to obtain was a fax number XXXX. I wrote my concern and sent them the copy of my processed check returned by my credit union for their review on XX/XX/XXXX and have not received a courtesy call back or email from their Fraud Department. I now received by XXXX the copy of the check Navy Federal Credit Union processed with the name of XXXX XXXX from XXXX, AZ and I'm going to complete a police report and I will deliver to them soon. My goal is to get an address where I can send this documentation after my complaint is filed.
Consumer complaint received 2022-02-16
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I been A victim for identity theft since I was living in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX  & I had a police report, also after I moved to XXXX XXXX XXXX XXXX I had another police report for identity theft, that someone using my social to open a XXXX credit card in additional the one I open it on my own responsibility back on XXXX, than I decide to close this card with the capital one because I can't trust them any more also I paid the balance in full amount ..., So why now I still see it on my credit report. I am the victim here ..... I am trying to improve my credit score, every account I have I am always on time never being late for my car loan & even I paid off the balance {$24.00} before the due loan time .... Even XXXX still see negative side under my social with a different names which is I never have those names before XXXX XXXX XXXX XXXX XXXX ( exact ) XXXX XXXX XXXX ( exact ) Any others names it's absolutely wrong not used by me..... I really need to update my personal information to have a fair reputation I need help as far I am a victim of identity theft To clear up my record & this negative report from capital one should be removed from my credit report ..., Specially capital one still send me offer to be a client with them again ) So why if a client being bad with them! Why do you still need me to apply with you again?? 
It doesn't make any sense to nobody. 
Thanks for your support to help me update my record specially I am the victim here
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under XXXX5 USC 1692C

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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. 


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 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 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 XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (ME)

On XX/XX/2022 I received a response from Medical Data Systems in regards to my complaint of them using " Debt Parking '' to intimidate me into paying for a debt I have no knowledge of. They responded saying that they sent out an initial communication on XX/XX/2022 with all the proper disclosures needed to dispute and request validation of the alleged debt. THIS IS NOT TRUE! I am requesting this company show proof of the so called initial disclosure sent to me on XX/XX/2022. If this was the case I would've definitely received it and would have disputed the debt. This company is clearly and knowingly furnishing information on my credit reports without even communication. The CFPB clearly has an issue with inforcing the rule of law with this type of debt collecting practice by this company. By saying the sent the disclosure with no proof is ridiculous. This matter should be addressed asap. To have a company get away with this practice shows the complicity of the CFPB. I will be directly disputing this matter with the company, asking for proof of deliverability.
Consumer complaint received 2022-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 I sent a letter to Equifax and XXXX and never received a letter back. Its been more than 30 days.
Consumer complaint received 2022-06-28
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. (FL)

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX 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 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX  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 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Terminate all contracts for violations of the Fair Credit Reporting Act ( hereafter the ( hereafter the " FCRA '' ), 15 USC 1681 et seq., as amended. 

The reporting of such inaccurate information has cause damage to my character my reputation my general mode of living and my ability to obtain credit for personal and household purposes you And your inaccurate reporting have damaged my livelihood.
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Ref XXXX
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There are some hard inquiries on my credit report that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In response to complaint number XXXX. EXPERIAN took longer than 30 days to complete their investigation. Mark the following account as paid as agreed or delete the account. XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The XXXX XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX '' Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, EQUIFAX and XXXX are violating my rights under the following FCRA laws ; 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. 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. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX for the last 30 days because of this. ''
Consumer complaint received 2022-02-16
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. (TX)

TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION is in violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between TRANS UNION and DEPT.OF EDUCATION/XXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXXXXXX XXXX  {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$5800.00} The inaccuracies of reporting by Transunion are above, how did TRANS UNION verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). 

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$12000.00} XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$3800.00} XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Im response to complaint XXXX EXPERIAN has taken more than 30 days to complete their investigation. I was never late on these accounts so they should be marked as paid as agreed or delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (NY)

I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

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
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

2XXXX XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights. 

3. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

4. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

5.XXXX XXXX XXXX  Account # XXXX. Has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

8. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.