davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-01
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: Experian Information Solutions Inc. (NV)

I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. I also attached evidence below : XXXX. XXXX XXXX XXXX. Inquired on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX. Inquired on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS USED TO OBTAIN GOODS AND SERVICES THAT I DID NOT AUTHORIZE NOR DO I HAVE KNOWLEDGE OF. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE ACCOUNTS DD NOT BELONG TO ME
Consumer complaint received 2024-11-24
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. (NC)

Over the past year, I've filed disputes for incorrect information on my credit report. I received emails and letters from the credit bureaus stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. 

TU : XXXX XXXX | XX/XX/year> : Account number : XXXX, I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX  **RE : DEMAND FOR IMMEDIATE DELETION OF ILLEGALLY REPORTED CHARGE- OFF** To whom it may concern, This letter is a formal demand for the immediate deletion of a negative Charge-off account that is being illegally reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so i know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a 1099-C ( Cancellation of Debt ) form to legally consider the debt canceled or paid in full.

You are reporting a charge-off without any evidence of a 1099-C being filed with the IRS, which deceptive , misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) .Under 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to update information and report accurately. If your reporting these accounts as a charge-off, where is the proof that the debt was charged off or canceled?

Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to d dispute it, you are in violation of 15 USC 1681i for failing to conduct a reasonable investigation into my dispute. According to 15 USC 1681e ( b ), you are required to ensure maximum possible accuracy in my credit report, and right now, your falling short.

I DEMAND that you either : 1 : Present me with proof of the 1099-C issued by the creditor, along with the cancellation of debt, OR 2 : Permanently delete these charge-off accounts from my credit report IMMEDIATELY!

I am not interested in receiving anymore of your generic responses claiming this information was " Verified ''. If it was truly verified, you would have already provided me with the 1099-C documentation. Since you have not, I know for a fact you can not validate this account.

If this matter is not resolved IMMEDIATELY, i will escalate this case to the Consumer Financial Protection Bureau ( CFPB ) and take action against Transunion for your continued willful non-compliance under 15 USC 1681n, and 15 USC 1681o for negligence.

Consider this your FINAL WARNING to correct your reporting, or i will pursue damages and any other legal remedies available to me under the FCRA.

Delete the inaccurate charge-off Now or face the consequences of your negligence and blatant disregard of my rights.

This is your last opportunity. Take action, or i will! 

Sincerely, XXXX XXXX Charge offs are listed below : XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4000.00} XXXX
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-11-24
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. (NJ)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$52000.00} XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance XXXX {$610000.00} Late/Open - XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX
Consumer complaint received 2016-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates (TN)

I continue to receive repeated calls and threatening voice mails on my Straight Talk cell phone from someone at " Cooper, Klein, Hoffman/XXXX and Associates '' at ( XXXX ) XXXX mostly but a few other numbers as well, all with out of state area codes. The voice mail threatens legal action against " XXXX XXXX '' and references " file number XXXX. '' The voice mail demands a call back at ( XXXX ) XXXX to avoid this action. I am not XXXX XXXX. I have had this phone number since 2012 and my number is on the Do Not Call Registry. I have previously experienced similar calls at this number for a " XXXX XXXX. '' I was able to get those calls stopped by talking with the caller but have been unsuccessful with the callers looking for " XXXX XXXX. '' The calls taper off for a month or two but always resume after a brief hiatus. I have spoken with Straight Talk and was told there is nothing they can do. They advised blocking the calls or changing my phone number. Unfortunately, changing my phone number is no guarantee that I would not get yet another tainted number and be no better off than I am now.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CO)

Ive tried to dispute these accounts multiple times through XXXX and also XXXX XXXX for about 2 years now. These student loan accounts were supposed to be forgiven and transferred to the government. The accounts have been reopened without my consent or knowledge on the date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Eagle Recovery Associates, Inc. (IA)

I was contacted this morning by Eagle Recovery Associates and XXXX I believe her name is. Mentioned that, '' It does n't take a genus to figure out if I can buy a house I can pay off my debt. '' I never mentioned to them that I purchased my home literally 2 weeks before they contacted me. I am being harassed and the lady said she would press charges if I did not pay my account in Full. I was told that by a supervisor as well. I feel Harassed!
Consumer complaint received 2024-11-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (GA)

Monterey Financial has violated the FDCPA. 
Despite our correspondence disputing a debt they were attempting to collect, they failed to validate the debt as required by law and continued their collection efforts unlawfully. We formally disputed the debt in writing and requested validation as outlined under the FDCPA. Monterey Financial did not provide any validation of the debt, yet they persisted in their collection attempts. This is a direct violation of our rights and has prevented us from resolving the matter appropriately with the original creditor. 
This debt must be returned to the original creditor so we can address our past-due balance directly with them and finalize the cancellation of our contract. Monterey Financial 's interference has complicated the process and caused unnecessary stress.
Consumer complaint received 2024-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX, XXXX, XXXXXXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B 15 USC 1681c-2 that you Transunion credit reporting agency block information appearing on my consumer report that is the result of identity theft and fraud upon receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXXXXXX XXXX Acct # XXXX balance {$2100.00}, XXXX XXXX XXXX Acct # XXXX balance {$500.00}, XXXX Acct # XXXX balance {$4200.00}, XXXX XXXX XXXX Acct XXXX XXXX balance {$1900.00}, XXXX XXXX  Acct # XXXX balance {$1500.00}. I do not recognize the forementioned accounts, collections as reported. I have attached a copy of FTC Identity Theft Compliant # XXXX as proof from the US Federal Trade Commission that all of these accounts and collections are result of identity theft.
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC. (FL)

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day Experian! This is really frustrating, the information and errors that you keep reporting on my credit has already been deleted by both XXXX and XXXX and blocked from reporting, and yet you continue to put this false and inaccurate on my report which is affecting me negatively and causing undue stress.
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: ROC Asset Solutions, LLC (CA)

I received calls from the firm ROC and API Recovery Solutions claiming to be process servers coming to serve me papers and if I pay them they will stop the law suit. They have called my family and said I am a criminal in a case and they need to get a hold of me. They have claimed to be a " pre-legal '' firm, and then claimed to be a debt collection firm. They give me false names for employees then when I say I spoke to someone by that name they say I am a liar. They route their phone numbers through local numbers to ensure I pick up. They call me a criminal and scammer. They are harassing me, and when I tell them to stop they say 'no '. They are causing me distress and will not leave me alone. 
http : //apirecoverysolutions.comXXXX
Consumer complaint received 2016-03-17
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Keaveney Legal Group, LLC (NJ)

hired foreclosure defense group charged me a starting fee off XXXX plus monthly payments of XXXX for a loan modification and protect the house from going to foreclosure, house was sold and forclosed. no idea if we were approved or denied the modification no notice of redemption period withdrew money even when the house went to public sale, sheriffs sale and when house was sold. most communication was via email some phone messages but not many. was told to just keep sending the necessary documents as needed and we did. lead us to believe all was going fine. Only time we spoke with the attorney was when he told us that the house was sold and we would eventually be evicted. The people that we dealt with on a regular basis were only customer service representatives, not even parrallegals or lawyers. Now were fighting for our rights and our home. Trust is a very hard issue and we have never felt so taken advantage of. The law firm had plenty of time to file a TRO ( temp restraining order ) and an emergency chapter XXXX. What these people did was they were dual tracking of the loan with the mortgage company. So unjust and wrong. The completed contract should have the attorneys signature and it does n't, wondering if it was all real or fake. We have lost the most dearest memory of all our home.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is beingvreported as late. This is inaccurate and there is only XXXX XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Attachments
Consumer complaint received 2024-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2024-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2024-10-01
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: Experian Information Solutions Inc. (TX)

XXXX XXXX # XXXX Re-Investigating Charge Off $ XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Status Account charged off. {$14.00}, XXXX written off. {$8600.00} past due as of XXXX XXXX.The credit limit was {$15000.00}. XXXX XXXX XXXX XXXX Reported inaccurate balance This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a Charge Off is seven years from the date of the delinquency leading to the Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. 2. XXXX XXXX XXXX XXXX Reported Charges Off and inaccurate of debt owed which is frauds Please submitted Original copy of credit card contract with wet signature. Payment History Credit card statement verified accurate credit limit. Within 15 days of this re-investigation to XXXX and Consumer.