davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: National Credit Adjusters, LLC (MI)

These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.XXXX account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX  inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX  inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. Us Department of educationXXXX accounts have been paid 4. National Credit Adjuster account number XXXX not my account 5. Late payments from XXXX XXXX  account number XXXX XXXX XXXX. Inquiries XXXX  XXXX XXXX Inquiry date XXXX not my inquiry US Department of Education inquiry date XXXX not my inquiry 2. National Credit Adjuster Account number XXXX not my account 3. Us Department of educationXXXX accounts have been paid 4. late payments from XXXX XXXX  account number XXXX XXXX 1. National Credit Adjuster account number XXXX not my account 2. Us Department of educationXXXX accounts have been paid 3. late payments from XXXX XXXX account number XXXX
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (WA)

I was making on time payments, and the credit company ( Navy Federal ) was reporting late payments, even though my statements were paid on time. I contacted Navy Federal with five certified letters, stating that they were reporting my account wrong on the XXXX major credit bureaus, and how they were in violation of the fcra, and the Fair Debt Collection Practices Act. There has n't been any replies, so I continued to send letters, stating that they are violating federal law. To this day, XX/XX/XXXX, Navy Federal Has not marked my account disputed, or responded to my certified letters.So now the account is delinquent, and they still have n't marked the account disputed. I get the XXXX credit reports, from the XXXX website.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (MS)

Trying to collect an XXXX phone bill that I never had. I went through this a year ago with another debt collector. This charge had been attached to my credit report but was expunged by XXXX. I do not want to go through this again.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TN)

I checked my XXXX credit report this morning, it stated that I had XXXX more account attached to MOHELA, of all different totals, but adding up to my original and CORRECT student loan balance of {$17000.00}. It has caused my credit score to decrease and I am very upset. XXXX and XXXX are showing my correct credit report of only XXXX student  loans, Mohela.com is showing that I also owe a balance of {$17000.00} which is correct and studentaid.gov is also showing the same total. I need this resolved as soon as possible. XXXX definitely is having issues.
Consumer complaint received 2023-02-17
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. (IL)

I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct. 

In accordance with the fair credit reporting act convergent accounts below listed 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 an account without my written instructions. 

Account name -XXXX account numberXXXX Account name - XXXX XXXX Account number XXXX Account name -XXXX Account numberXXXX Account name XXXX XXXX XXXX Account numberXXXX Account name-XXXX Account number XXXX Account name-XXXX XXXXXXXX Account number XXXX Account name XXXX Account number- XXXX Account nameXXXXXXXX Account number- XXXX Account name XXXX Account number- XXXX Account nameXXXX XXXX Account number XXXX
Consumer complaint received 2023-02-17
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. (AL)

I have disputed with all credit bureaus about verifying information through a third party when the original information was not acquired by them as the original information says they do not report any information to any credit bureaus.
Consumer complaint received 2023-02-17
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. (IL)

I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct. 

In accordance with the fair credit reporting act convergent accounts below listed 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 an account without my written instructions. 

Account name -XXXX  account numberXXXX Account name - XXXX XXXX  Account number XXXX Account name XXXX Account numberXXXX Account name XXXX XXXX XXXX Account numberXXXX Account name-XXXX  Account number XXXX Account name-XXXX XXXXXXXX Account number XXXX Account name -XXXX Account number- XXXX Account name-XXXX  Account number- XXXX Account name XXXX Account number- XXXX Account name- XXXX Account number XXXX
Consumer complaint received 2023-02-17
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. (TX)

I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness.

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialzed loan servicing refused to modify my loan # XXXX, and placed my home on the foreclosure sale list for XX/XX/XXXX .XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX did not validate the debt nor did SPECIALIZED LOAN SERVICING. I ALSO sent a letter to XXXX as for proof of claim. SPECIALIZED LOAN SERVICING has fail to respond to a QWR I Mailed XX/XX/2016 to XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WA)

I am a victim of identity theft. A credit card account was opened with Barclays bank for a " Jet Blue XXXX '' card ( ending in # XXXX ), to which {$4100.00} was charged. I did not open the account, nor did I authorize someone to open the account on my behalf. I have never accessed the account online or otherwise, nor have I received nor used a credit card associated with the account. 

I have repeatedly requested that Barclays conduct a fraud investigation, close the account, and report the occurrence accurately to all CRAs. I provided a written copy of the FTC 's notice to furnishers demanding they comply with the FCRA, as well as an FTC identity theft report ( report number XXXX ), a police report ( XXXX police report XXXX ), and a written statement requesting that Barclays close the unauthorized account, remove charges on the unauthorized account, and take steps to remove information about this account from my credit files. This information was most recently sent via mail on XX/XX/year>. 

Despite these repeated requests on my part, Barclays continues to deny my fraud claim, report the account as legitimate to CRAs, and request payment for the charges on the account.
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Subject : Request for Reinvestigation Regarding Unlawful Reinsertion of Deleted Information Dear EQUIFAX, I am writing to formally request a reinvestigation concerning a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA outlines the specific procedures and requirements for the reinsertion of any deleted information, which appear to have been disregarded in this instance. 
Background On XX/XX/XXXX AND XX/XX/XXXX the following information was removed from my credit report : Creditor 's Name : XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX Upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 
Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written Notification : A written notification must be provided to the consumer within five business days of the reinsertion. 
2. Certification : The information provider must certify that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediate Removal : Immediately remove the reinserted information from my credit report.

2. Detailed Explanation : Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures. 
3. Preventative Measures : Take necessary measures to prevent future improper reinsertions.

Additionally, please be advised that I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly addressed. 
Contact Information Please contact me at your earliest convenience to confirm receipt of this letter and provide an update on the steps being taken to resolve this matter. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Thank you in advance for your prompt attention to this critical matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-02-17
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. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2024-09-01
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. (LA)

I'm wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 

Transunion 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
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( transunion and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( transunion ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( transunion, XXXX, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Consumer complaint received 2024-09-01
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. (IL)

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN XXXX  DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPNAY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM.
Consumer complaint received 2024-09-01
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. (GA)

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Transunion, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXX XXXX  on XX/XX/year>, with account number XXXX These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer FICO credit report from XXXX that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Transunion block this fraudulent information within 4 business days of receiving this complaint. ''
Consumer complaint received 2024-09-01
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. (TN)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attentionto thismatter.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TSC Accounts Receivable Solutions (MA)

I was treated for XXXX in XX/XX/XXXX and my insurance ( XXXX ) was accepted by the doctor. I paid my co-payments for a total of XXXX-XXXX XXXX visits. 

Some time later there was a dispute between the doctor 's practice and XXXX and apparently the insurance company refused to pay the entire amount. 

The doctor 's office billed me for the difference of {$980.00}. I do not feel that I should not be obligated to pay if the insurance company did not feel the bills were warranted. 

Later, a collection agency ( TSC Accounts Receivable Solutions ) began sending me bills which I continue to disagree with on principle. I formally disputed the claim in XX/XX/XXXX. 

I was recently denied for a credit card application despite the fact that the rest of my credit is pristine. XXXX now shows this bill XXXX and therefore XXXX black marks on an otherwise perfect report. 

I called TSC A/R this morning and requested that they remedy this error. I even offered {$200.00} as a good faith gesture even though this dispute was between XXXX and the Doctor 's practice. 

My perfect credit is important to me, and I need help in setting the record straight.