davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX-discharged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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. (CA)

I have already tried to fix this issue with Experian in writing in XX/XX/2022 and also in XX/XX/2022. 

I have asked to update my XXXXXXXX XXXX Account on my Experian credit report to " PAID AS AGREED ''. 

This account continues to show lates and I was not late. 

The other 2 bureaus, XXXX XXXX XXXX XXXX already show that my account is PAID AS AGREED... it is Experian that hasn't updated this info yet. 

This is keeping my score down and affecting my ability to get credit and also insurance. 

Thank you for your help in this matter.
Consumer complaint received 2022-08-06
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy 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
Consumer complaint received 2022-08-06
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXXdischarged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-08-06
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. (MS)

In accordance with the Fair Debt Recording Act XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # 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 a account without my written instructions
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I already talked to XXXX  emergency services regarding rhis matter. They are trying to collect my medical bills through my old insurance i use 5 years ago. I told them i already have a new insurance and gave my insuramce information and they told me they will fix it. But i checked my current if they claim it but they have not fix it. Then i recieved a letter from a debt collector. So it is between XXXX  and my insurance. Coz they promise they will call my current insurance but they didnt! And fyi its hard to get a hold of them. And fyi i have my conversation with them. I screenshot it!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been in contact with Transunion via snail mail, certified letters and also waiting on the phone for upwards to an hour every single time to speak to someone and then having it take 45 mins to an hour to speak to the representative from TransUnion. 

I have asked on several occaisions to FIX all the NAME variations of my name and REMOVE all the names from my files and leave me with my ONE AND ONLY legal name which is : XXXX XXXX. So far they have not gotten that straight. 

Also, there are 3 different social security numbers in my file which is also incorrect. I've asked them to fix this on several occaisions in writing as well as over the phone. It has so far been taking them 3 months!! to fix this issue. In the meantime my credit score is showing a XXXX for TransUnion while all the rest of my credit scores in in the High XXXX and XXXX! So my credit score continues to be terrible due to the confusion over there at Trans Union. This is affecting my ability to get any loans or any other credit qualifying accounts or insurance. 

So I'm reporting the fact that TransUnion still doesn't have my name correct, my social security correct. Correct Social Security is : XXXX. 

Also, they are reporting an account that is not mine ... XXXX XXXX  for around {$2500.00}. This account is NOT in my name and should not be reporting on my credit report. I've asked for removal of this over the last 3 months and they have STILL failed to remove it. This confusion is THEIR confusion.. NOT mine. I need you to step in and END THE CONFUSION about this account. Please thank you. So I'm requesting for this account to be removed permanently from my files. Thank You. 

Also, there are hard inquiries that I have already reported to them and have police report evidence, that these inquiries are NOT mine, I never verbally authorized it or in written form. TransUnion has already been notified of these in the past. 

The inquiries to be removed from my TransUnion account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is 7 ( seven ) inquiries that need to be removed from my account. 

Please let me know when this happens. 

I'm tired of telling them the same thing over and over. 

Thank you for your help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-05
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. (DE)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-05
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-05
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. (OH)

I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by XXXX, Equifax and XXXX. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even 1 inaccuracy, which one is actually reporting correctly? I sent Method of Verification request letters to all 3 bureaus certified mail which have all been received but only XXXX and Equifax have responded. Equifax sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the two collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. XXXX simply continues to state the accounts are verified. XXXX has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX XXXX
Consumer complaint received 2022-08-05
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. (OH)

I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by Transunion, XXXX and XXXX. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even 1 inaccuracy, which one is actually reporting correctly? I sent XXXX XXXX XXXX request letters to all 3 bureaus certified mail which have all been received but only Transunion and XXXX have responded. XXXX sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the two collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. Transunion simply continues to state the accounts are verified. XXXX has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX XXXX
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (FL)

I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from Equifax dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, Equifax and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.
Consumer complaint received 2022-08-05
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. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2022-08-05
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. (TX)

Experian please please read this. And please copy to your superior. Hopefully you and your boss are Americans who refuse to be whores to large unprofessional companies. XXXX XXXX XXXX XXXX ( XXXX ) is copied but does not read or acknowledge if you pass this to them. For 5 years I have requested a copy of the permissible permission used to access my credit report by Experian and XXXX XXXX XXXX XXXX. XXXX refuses to even read but lists everything as duplicate. They did send the attached letter stating the inquiry by XXXX would be removed. This is laughable because inquiries automatically drop off after 2 years, XXXX  is just playing funny games like children. But after 5 years they did state that credit was pulled on XXXX. This was one day before they had approval. See 2 attached applications / permissible permissions ; one dated and the other dated. Both are different with information but one is undated. One is dated XXXX, one day after my credit was pulled. EXPERIAN, PLEASE RESEARCH YOURSELF AS KEEPER OF MY INFORMATION AND DO NOT PASS TO XXXX TO DEFLECT LIABILITY.
Consumer complaint received 2022-08-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This is my second complaint against this debt collector. First Complaint number XXXX. For the past three weeks, I have been called by a process server who states that his name is XXXX XXXX, with XXXX XXXX XXXX. He continues to threaten with legal papers for a debt that is supposedly 19 years old. I have spoken with XXXX XXXX XXXX XXXX  on a number of times about this debt. I do not owe it. Secondly, both the statute of limitation has passed. This is not the truth. They are claiming that I last made a payment in XXXX, thus the debt is still good to file a lawsuit with. I confirm that this debt when into collection in XXXX because I was forced to move out of the house. 

I requested their mailing address, but they refused to give me that. I have asked for paperwork on this transaction. But they refused to give me anything. I have voluntarily given them my home address. Yet, they will not give me anything on the debt. 

Finally, I told that to send me a settle agreement with their address and I would reply. This was the only way that I could get them to give me their address. Attached is the document that was emailed to me to XXXX. 

These people are totally unethical. They continue to threaten me with a sue if I do not comply. XXXX XXXX continues to leave messages stating that I have been notified and I will be served. 

Now, I confirmed that this debt was associate with a home in XXXX GA. It was a brand-new home. The government file an eminent domain on this property. The house was only 2 years old. I purchased in a new subdivision. The government paid off all debt on this house and I do not owe anything. You can XXXX the street of XXXX XXXX XXXX XXXX in XXXX. The causeway is call XXXX XXXX XXXX. As you can see, the government put in a brand-new causeway that removed my house and my neighbors homes. I want this stopped. Please investigate this collection company. 

I received settlement paper work from XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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: NCB Management Services Inc. (OK)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, NCB Management Service.
Consumer complaint received 2022-08-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX and Equifax show a late payment posted on XXXX, XXXX. I contacted XXXXXXXX XXXX credit cards and they said I had a XXXX balance on XXXX and XXXX of XXXX. I do not understand why those two credit reporting agencies put a late payment for XXXX XXXX when I didn't even have a balance owed. 

XXXX, XXXX : balance {$0.00} XXXXXXXX XXXX : balance {$0.00}
Consumer complaint received 2022-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

I recently noticed that there is a big drop on my credit score, I find there is a debt collection under my name, the collector is called SOUTHWEST CREDIT SYSTEM, but I never received any letter or information about this debt, I dont know where is from and how to pay.