davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have a loan with COMENITY BANK/AVENUE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything. Ive never been behind on my payment. I tried contacting the XXXX XXXX XXXX  and XXXX Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This is my 6th endeavor 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 records 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, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have a loan with COMENITY BANK/AVENUE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything. Ive never been behind on my payment. I tried contacting the XXXX XXXX XXXXXXXX and Equifax Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-23
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. (ID)

For several months, I have been attempting to have a collection item removed from XXXX XXXX that has been reporting on my credit report. 

I have never had an account with XXXX and I do not know why it continues to show up on my credit report. 

I have tried disputing this information with XXXX XXXX themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last four of my social. 

XXXX refused to stop reporting this information to the bureaus, so I then reached out to XXXX ( Account # XXXX ) and Equifax ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine. 

Neither XXXX or Equifax ever provided me with proof, but they both came back and stated that it was verified. 

Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for. 

When I called and tried one last time to have this item removed from my credit report on XX/XX/2022, XXXX XXXX made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to XXXX and Equifax - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request. 

Having this fraudelent item on my report has cost me thousands of dollars and so much heartache, and I demand that it be removed from XXXX and Equifax and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ). 

According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Consumer complaint received 2024-09-23
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: Westlake Services, LLC (NC)

XXXX XXXX who Im not aware of have placed a XXXX on my credit report and when I asked them to validate that I owe this company or debt buyer this debt they didnt respond but quickly removed themselves from XXXX of my bureaus but yet not the other, the company who I co signed for Ive already paid and they are listed on my report so this company is tryin to get money not owed to them
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$11000.00} XXXX BANK XXXX XXXX XXXX XXXX {$6000.00} XXXX BANK XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX CARD XX/XX/2021 XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-15
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. (PA)

There is incorrect information in my report. Accounts : XXXX  {$800.00} XX/XX/2021. XXXX XXXXXXXX XXXX {$2600.00} XX/XX/2021. XXXX - XXXX {$1900.00} XX/XX/2021. Public Record : XXXX XXXXXXXX XXXX # XXXX
Consumer complaint received 2022-12-23
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Consumer complaint received 2022-11-29
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)

In accordance with the fair reporting act the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX... Account # XXXX Account Name 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 state a consumer reporting agency can not furnish account with out my written instruction..

15 u.s.c 1681 C ( A ) ( 5 ) section state ; 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-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. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, impartiality, and respect for the consumer right to privacy.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX date XXXX, XXXX, XXXX XXXX, XXXX, My income was interrupted and I am just now getting back employed on a regular basis..
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX has violated my rights 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 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 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I am submitting this CFPB complaint to request that you remove the fraudulent accounts I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts from my Credit File at the earliest possible time : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$610.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the disputed accounts since these accounts resulted due to identity theft. I request of you to please comply with the law and have the disputed items removed soon.
Consumer complaint received 2022-12-23
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. (FL)

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northstar Location Services, LLC (NY)

Hi, to whom ever it may concern I have an problem with XXXX XXXX  I keep having issues with them trying to collect debt from me Debt that I never accumulated, Ive asked them multiple times to show me accurate reports, dates and the times of the debt, I still havent heard from them But it is on my credit profile and is preventing me to move forward, I have my documents proving I owe no debt and its somewhere in the data thats wrong, or someone elses information is being mixed up with mines. The pictures shows the inaccurate information because if I did owed this debt, both pictures would have the same description, dates, balances due But as yall could see it not the same
Consumer complaint received 2022-11-29
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. (CA)

In accordance with The Fair Credit Reporting Act 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 XXXX XXXX XXXX  Date Opened XX/XX/2022 Amount owed {$6000.00}. 
Account # XXXX I have called them and tried telling them this is not my account.
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (MS)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-12-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts DEPT OF ED / XXXX ( Open Date ; XX/XX/XXXX, Balance {$4100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2200.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$610.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2900.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$700.00} ), XXXX - XXXXXXXX XXXX ( Open Date XX/XX/XXXX Balance {$1600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.