davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-09-23
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. (GA)

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (VA)

I filed a dispute on my student loans ( XXXX ) with Equifax and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. Equifax did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC (IN)

I was a customer of XXXX XXXX, formerly XXXX XXXX. The company engaged in misleading, sordid tactics to obtain customers. In XXXXXXXX XXXX XXXX a salesman lied to my family, reporting that XXXX XXXX is a subsidiary of XXXX construction. That they had been around for over 30 years, which instilled false trust in me concerning the stability of their company. They were sued by XXXX construction, and had to change their name to XXXX XXXX within a year. I was talked into buying a solar system for XXXX XXXX, well above normal pricing. But this included an too-good-to-be-true warranty that I thought was worth the extra money. But, the system performed at less than half of what was promised. The company was inundated with lawsuits for fraudulent activity, and ended up having to file bankruptcy. My warranty can no longer be fulfilled. They in no way fulfilled their part of the contract. And the contract could not be fulfilled through normal means as they also stated we must pay the entire tax credit amount back to them within 1 year or we would lose our low rate. No normal family makes enough money to be able to collect the full tax credit in 1 year. I am working with lawyers to take claims to arbitration. My lawyers filed a letter to inform them of this. 
Beyond this, 8 Attorney Generals ( including Indiana ) notified the lenders XXXX XXXX that they should cease collections. 
Instead of ceasing collections they securitized the accounts and we, the consumers, are being collected upon by the assignee trust 's collection agency despite claims of cancelling as a matter of right. Allowing this behavior eliminates the usefulness of the FTC Holder Rule.
Consumer complaint received 2022-09-26
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. (TX)

Received a message on yesterday on XX/XX/XXXXXXXX saying that an old account from XXXX XXXX XXXX XXXX CO applied several remarks to my Equifax credit score listed on my XXXX XXXX  profile. Well boy did my credit score plummet after that remark was placed on my file. I was sad and miserable all day yesterday. I worked so hard to get my score to where it is now but to see it where it is now is just heartbreaking. It was a XXXX. Now it's at XXXX. Lost XXXX points. That hurt! 

1st remark states, paid repossession.

2nd remark states, paid using collateral. 

** Now keep in mind, I don't know what the heck is going on. I haven't had this vehicle in my possession in over 5 years so why wait until this year XXXX to try and damage me and my credit score? Makes no sense right? I think I financed the car, XXXX XXXX - 4 door - Automatic back in XXXX but I'm not accurate on that. I just would like to know what is going on that's all. I'm trying so desperately to get my score above water level and this happens. Now I can't get a chance to finance anything with no lender ( vehicle purchase wise ) because this company is trying to ruin my score. Can y'all help me? I'm so grateful a friend of mines at work told me about you all. You don't know how happy I am to see an entity created to help citizens like me. You all are greatly appreciated. Thank you. XXXX Bless you all for working so diligently and committed. XXXX Bless XXXX. 

Respectfully, 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this because these 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-09-23
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-26
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)

I have taken XXXX to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with XXXX XXXX i need a resolution the have my credit fixed
Consumer complaint received 2022-09-23
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-23
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: EQUIFAX, INC. (SC)

In accordance of 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. 

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 Account # 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 15. U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer reporting 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 in accurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I recently received my credit report regarding Public Records listed below : Public Record : XXXX. US BANKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 
2. US BAMKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 

I recently submitted disputes with XXXX, Equifax and XXXX on the above mentioned bankruptcies, requesting that they be verified. All three Bureaus responded that they verified the bankruptcies with the US Bankruptcy Court, XXXX, IL. This is in fact a lie. I have obtained a valid letter from the United States Bankruptcy Court stating that The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying information from consumers credit files. ( See attached letter from The Clerk of Court United States Bankruptcy XXXX, XXXX XXXX XXXX ) This is, in fact, contrary to the findings or results of my rightful dispute asking that Equifax, XXXX, and XXXX verify the above-mentioned bankruptcies listed on my credit report. And using the third-party company, XXXX as the furnisher to verify the above listed public records is not the original furnisher of the information. But I showed Equifax, XXXX and XXXX, with the attached document from the US Bankruptcy Court Clerk, Northern District of Illinois, that they in fact, DO NOT VERIFY information with the credit bureaus. The Fair Credit Reporting Act specifically states that all items on a credit report must be verified from the original furnisher. And the US Bankruptcy Court Clerk is the original furnisher of all public Records. So, Equifax, XXXX and XXXX is in direct breach of the law by reporting the above listed public records. 

Also, I recently obtained my Consumer Disclosure Report from XXXX, in which XXXX and Equifax uses as a third-party vendor to verify bankruptcies on a person 's credit report ( See attached XXXX Consumer Disclosure Report ). In that report there isnt any bankruptcies listed associated with my social security number. 

And the addresses attached to the bankruptcies on my credit report with Equifax, XXXX and XXXX does not or have not belonged to me at all. I don't, nor have I ever been able to receive mail at the addresses attached to the above listed bankruptcies. 

The above-listed public records can't be verified and must be removed from my credit report. 

In conclusion, Equifax, XXXX and XXXX have failed to provide me with verification of the above listed bankruptcies. They are publicizing inaccurate information on my credit report. Which is a direct violation of the Fair Credit Reporting Act Section 1681 ( c ), 611 ( a ) ( 7 ) and a serious breach of my privacy rights. 

I have maintained careful records of their actions. I once again, respectfully request that Equifax, XXXX and XXXX remove the above-mentioned bankruptcies from my credit report immediately.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I have sent two letters to the company Medical Revenue service asking them to validate the debt the information ask regarding the debt. I ask for proof showing where I authorize/ or gave them my signature authorizing them to sell or forward my information ( Creditor ) XXXX XXXX XXXX XXXX to Medical Revenue Service XXXX
Consumer complaint received 2024-01-30
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- 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 TRANSUNION 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 XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (CA)

I received statements from XXXX XXXX in XXXXXXXX XXXX XXXX indicating that I owed balances on multiple credit card accounts. On XX/XX/2022, I sent letters to the CFO, of XXXX XXXX, requesting validation that I am responsible for the alleged debt. After not receiving validation as required by 15 USC 1692 ( g ) I sent XXXX XXXX a notice of fault on XX/XX/2022, again requesting validation that the debt belongs to me. I only received letters, calls, and text messages demanding that I pay these debts or suffer negative reporting to credit reporting agencies. I filed an identity theft report with the Federal Trade Commission on XX/XX/2022. I then discovered that Zwicker & Associates who, without contacting me, filed a civil suit in my county regarding this debt. I have not received any notice from Zwicker & Associates requesting payment of the debt, or even notification of the right to ask for validation of this alleged debt. The only reason I found out about the lawsuit is that I received a letter from another third-party offering consultation regarding the court case. I looked up the court case and sure enough, without prior contact, Zwicker & Associates are suing me for the unvalidated alleged debt. If Zwicker & Associates had reached out to me with a debt collection letter modeling the B-1 form required by 12 CFR part 1006 ( Regulation F ) I would have asked them to validate the debt as is my consumer right. I would also have provided the prior correspondence with XXXX XXXX regarding the alleged debt. Finally, I would have provided the FTC identity theft report. After reviewing the CFPB complaints database, I can see that many other consumers have been sued by Zwicker & Associates without prior communication. In fact, it appears that Zwicker & Associates have a reputation for instantly suing consumers without first conducting due diligence to validate debts. It appears that they rely on intimidation tactics, which are the very abusive, deceptive, and unfair debt collection practices mentioned by Congress in 15 USC Code 1692. I will be reaching out to Zwicker & Associates to ask them to validate this debt. I will also be reaching out to the Attorney General regarding the consumer harassment by Zwicker & Associates.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.