davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$160.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$680.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX & XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$97.00}, XXXX XXXXXXXX Balance : {$770.00}, XXXX XXXX Balance : {$770.00}, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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
Consumer complaint received 2023-04-22
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. (AR)

I am submitting this CFPB Complaint to bring to your attention a matter of great concern. Upon reviewing my credit file, I have discovered several files that are not mine, indicating a potential compromise of my personal information. As you are likely aware, under section 605b of the FCRA, it is legally required that any account found to be opened due to identity theft be removed promptly. I have filed a dispute and provided the necessary FTC Report and the bank 's records, as required by law. While I appreciate your attention to this matter, I would like to request that you provide me with any documentation that you possess regarding these accounts. I understand that according to the FCRA, you are required to verify the accuracy of the information contained within my credit file, and I would like to ensure that all accounts listed are indeed true, accurate, correct, complete, and verifiable. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX. Should you determine that any of these disputed accounts are indeed mine, I would appreciate receiving copies of any documentation bearing my signature, as it would greatly assist in my understanding of the situation. In the event that you are unable to provide me with satisfactory documentation to support the accounts listed in my credit file, I will have no choice but to take legal action.
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-South Adjustment Co., Inc. (AR)

On XX/XX/XXXX a man came to my home saying he was with the government and I owed over {$2000.00} to my doctor. I was never aware of any debt until he came to my door and threatened to seize my property and my vehicle. He made verbal threats against my credit and my property saying it could all be taken if I didnt pay this amount. I do not make enough money to cover and the doctor has not once told me I owed them money or attempted to contact me about any debt until it reached the point someone came to my house. I am XXXX  I have XXXX XXXX XXXX  so I was going to the doctor frequently never aware that they said my insurance wasnt being used. They racked up my bill to thousands of dollars then called me multiple times during the night and day, constantly calling me for days on end and i had no knowledge of any debt until they came to my door.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the accuracy of the information contained in my credit report. Specifically, I am requesting the removal of all phone numbers associated with my accounts. 

According to the e-Oscar Metro 2 compliance guidelines, all information reported to credit bureaus must be accurate and complete. Any inaccurate or incomplete information can negatively impact my creditworthiness and ability to obtain credit. 

I have reviewed my credit report and noticed that several phone numbers associated with my accounts are inaccurate or outdated. I have made multiple attempts to contact the creditors to update this information, but to no avail. 

Therefore, I am requesting that you remove all phone numbers associated with my accounts from my credit report. Please ensure that this information is updated promptly to reflect the accurate and complete information required by law. 

If this request is not honored within the timeframe mandated by law, I will pursue legal action to ensure that my credit report is accurate and complete. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-04-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  Balance {$84.00} XXXX XXXX XXXX XXXX Balance-
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I recently pulled my credit report and I noticed several inaccuracies in regards to my personal information. I mailed a letter addressing the inaccurate information this past Wednesday, XX/XX/2023 certified mail. I'm submitting this complaint simply as reassurance that it get corrected. You can find the letter attached within.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

I have several inquiries on my credit that were not done by me.This started over twenty years ago and is still a problem.I am constantly seeing stains on my report when my file is locked and im not understanding the purpose of having the extra security steps if they are not working.Ive contacted the FTC, credit bureaus other financial sources.At this point several consumers are not removing several credit attempts and I dont know what else to do.I made several identity theft reports both with FTC and The XXXX Police Department XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (CA)

XXXX FIRST ACCESS BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Original creditor sold to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX to XXXX these accounts : Account,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-20
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX XXXX Trans Union credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account Number : XXXX and XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I consolidated my student loans back in 2017. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported 8 or 9 separate loans in addition to my large consolidated loan. They also reported 2 to 4 late payments on each one of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past 6 years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported 17 late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is zero percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ 38k, which is now on my credit report twice along with an additional loan amount of roughly $ 16k which is part of what has already been consolidated. I should only have 1 consolidated loan in the amount of roughly $ 38k and all late payments, all 17+ late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!
Consumer complaint received 2023-04-22
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)

I am writing this complaint on my own behalf there is no third party involved. On XX/XX/2023 - I submitted a packet to Transunion regarding 4 fraudulent accounts listed on my credit report, asking to dispute are remove these fraudulent accounts from my report. This packet arrived on XX/XX/2023. The packet I sent to Transunion is attached in the complaint. To this day, XX/XX/2023, these accounts resulting from fraud and identity theft still lie on my credit report. The law states that a consumer reporting agency is required to block any of the information on the report and/or file of the consumer if the CONSUMER identitfied the information is a result of an alleged identity theft within 4 BUSINESS DAYS after the receipt of the identity theft report and required accompanied documents. Transunion failed to block such information resulting from identity theft - within the four business days of receiving my identity theft report. 
On XX/XX/2023 Transunion notified me of the dispute results, from the initiated date of XX/XX/2023 to be complete. It appeared - three of the four fraudulent accounts came back verified in the dispute results. The results shared the company that reported the information has certified to Transunion that the information is accurate. However, there was no affidavit sworn under oath before a notary public or similarly authorized person - as defined as true verification by Federal Law. I never once received from Transunion ANY form or sworn statement provided under oath nor any affidavit of truth with valid notary signature - therefor no verification has been made per U.S. Federal Law. Unfortunately, these falsely claimed verifications have illegally excused Transunion to continue to furnish fraudulent information on my credit report, lowering my credit score, and drastically TARNISHING my ability to operate freely in commerce. This has kept me from making purchases and necessary moves with my credit, and is negatively impacting my quality of life in commerce.
Consumer complaint received 2023-04-22
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. (IL)

This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I recently sent a 2nd letter to XXXX asking them to investigate a negative Item on my credit report from Credit acceptance, in the letter as well as a wet signature from XXXX stating that they Received the letter ( I never received it ) the letter stated that XXXX XXXX was not a form of real investigation. I also reach out to credit acceptance asking them to close and delete this negative information as well from my credit report. I received a miscall from the company that led me to call them back in hopes that I would speak to someone about this matter, I ended up leaving a voicemail that I did receive a call from them to please call me back and they never did. Credit acceptance made a statement to your company that they called once and never got in touch with me, that is a lie being that I called back and left a message with XXXX XXXX XX/XX/ as well as sending her an email back on on XXXX she never responded to the email either. I am asking that I get a fair response about this matter and have it permanently removed from my credit report being that they can not provide me with the information that was stated in the letter that I sent off. I am reporting both XXXX and Credit Acceptance for not following through a proper investigation.