davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (MS)

XXXX XXXX has provided my work address to two different debt collectors. 

XXXX XXXX XXXX, is the second debt collector that has sent mail to my place of business concerning a debt from XXXX XXXX. The mailing is attached. 

On both occasions, the person that receives the mail sent to that address opened the mail, not knowing that it was personal mail. 

I have never given XXXX XXXX this address as a method of contact for me. 

I contacted XXXX XXXX on XX/XX/2023, around XXXX a.m. central time, to inquire about the address and to inquire about the status of my accounts. I wanted to know if my accounts had been sold to a debt collector or placed with a debt collector for collection purposes. I was not given a direct answer to those questions. The XXXX XXXX representative told me that another " Team '' was handling my accounts. 

I learned from a previous complaint filed against, XXXX XXXX XXXX, that the address was obtained from XXXX XXXX. The response letter from XXXX XXXX XXXX, stating that the address was obtained from XXXX XXXX is attached.
Consumer complaint received 2024-10-05
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2023-04-21
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. (NV)

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 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ;
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Google Compare Credit Cards Inc. (OR)

I HAVE BEEN HACKED AND MY IDENTITY HAS BEEN ASSUMED BY OTHERS. GOOGLE SEARCH  AND WALLET ETC... HAS HAD STRANGE ACTIVITY FOR A LONG WHILE NOW, BUT HAS BEEN OVERT IN RECENT MONTHS. I HAVE AN XXXX BUSINESS ACCOUNT I AM NOT AWARE OF, I HAVE NO VEHICLE. MY XXXX XXXX XXXX  HAS BEEN CLONED, AND IS ASSOCIATED WITH A XXXX ACCOUNT. I HAVE PODCAST ACTIVITY AND AN ACCOUNT WITH XXXX THAT I AM NOT AWARE OF UNTIL RECENTLY. I HAVE A HOLD ON MY CREDIT REPORT THAT I PERSONALLY DID NOT REQUEST. MY XXXX XXXX HAS BEEN HACKED AND MY XXXX WIFI, AT ONE POINT I WAS THE ONLY ONE WITHOUT WIFI IN MY APT COMPLEX, THIS SITUATION HAPPENED IN XXXX, TX WITH XXXX, BEFORE MY ILLEGAL FORECLOSURE WITH XXXX XXXX, XXXX  CUT OFF MY INTERNET AND I WAS THE ONLY HOME WITHOUT IT. I HAVE MOVED FROM XXXX XXXX XXXX TO XXXX  AND THE SAME THINGS KEEP HAPPENING TO ME. I HAVE REPORTED TO LOCAL AUTHORITIES IN TX, FBI, CIA and the WHITE HOUSE DUE TO HAVING MAJOR ISSUES WITH XXXX DOD, DOL, USPS and OWCP. I HAVE INFO IN MY PHONE OF STRANGE HAPPENINGS, ANY HELP WOULD BE GREATLY APPRECIATED.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-04-20
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. (MI)

The credit bureaus continue to neglect this matter, poorly investigating disputed accounts thats clearly fraudulent. I have continue to submit valid information to proof my identity, such as police report of this fraud. I have spoking to XXXX which have stated I have some form of mixed credit with accounts and thats not mine. which I have verified my residence and documents to clear this fraud. XXXX has block my request to update my information which I have also identified myself, submitted documentation for them to verify these fraudulent accounts that they have stated was throughly investigated thats wasnt throughly investigated by neglecting my valid information and allow creditors to excuse me of these fraudulent accounts. I have sustained damage to my credit do to the credit bureau lack of trust they have continue to allow creditors to update closed fraudulent accounts and fraudulent accounts & charges like : Names : XXXX XXXXXXXX XXXX  - fraudulent account and charges XXXX $ and XXXX $ refused to verify information to me has pass 30 day time period numerous times which is violation to verify this alleged debt, which all XXXX credit bureaus have received documentation to proof this is fraud XXXX XXXX - fraudulent account reporting XXXX XXXX XXXX XXXX ( 7year account pass statue of limitation to report ) is paid and in full as agreed to terms, by third party name XXXX XXXX that has collected debt on there behave that debt is satisfied. 
Either to be changed to pay and full or to be deleted by original creditor. Immediately documentation has been sent once again. 

XXXX XXXX - date XXXX XXXX XXXX pass statute of limitations 7 years, / bankruptcy account that shouldnt be report or seen on credit report that have to be removed immediately. 



XXXX XXXX XXXX   - fraudulent account and charges of {$1000.00} havent submitted no request in writing to me to sell or put a fraudulent account in collection from a third party lender by the name of XXXX XXXX XXXX XXXX XXXX -is falsifying their identity to collect a debt for XXXXXXXX XXXX XXXX  that is a fraudulent account which they are stating the account is owe {$1400.00} they are legally report wrong information on a reported fraudulent account. And is violation of 15 US Code 1692 ( f ) XXXX is report wrong information. Such as my verified address phone numbers which I have submit documentation of that as well to them that was never updated or throughly investigated when fraud occurred XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b ) Transunion is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ). 15 US code 1681E ( 1 ) & ( b ) XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b )
Consumer complaint received 2023-04-20
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. (NY)

I have mailed, faxed, emailed, and called each bureau TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment! 

Netcredit keeps responding back to me about my checking account XXXX. That is NOT the account that is tied to the netcredit line of credit! I NEVER RECEIVED THIS MONEY AND THE ACCOUNT ending in XXXX WAS CLOSED MONTHS AGO. They have stolen money and now say that I owe it to them! I can not get this issue resolved and they are not willing to help!
Consumer complaint received 2023-04-20
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. (KS)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. 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 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
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i never provided written consent and are unaware of the unauthorized and inaccurate accounts on my credit report. I also understand that under Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information,
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/2023 I received 7 phone calls. From a debt collector informing me of a debt that they obtained. I then asked him to send me the original debt in the mail and we can go from there. The woman whom I spoke with who never told me her name said what is that going to do if I send it to you in the mail. Then she began to say how they're going to sue me. And then she hung up. On XX/XX/2023. I received this letter dated for the 7th with the due date of the XXXX of XXXX. With only the amount I owed and their company name on it. Stating pre- legal actions. So I called the number on the phone which is a different number from which they were calling me from the first time. They put me on hold for a long time and then said all the person handling your cases of the unavailable but how can I take a payment. Identifying them that I would like the original documents mailed to me as I stated once before and then they hung up. I never received anything in the mail or phone call until this month didn't even know they obtained the debt that they say I owe
Consumer complaint received 2023-04-20
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking 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. 
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
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (PA)

This balance was resolved with the original debtor XXXX. I never received a statement stating I had an over due balance with this company. Attached is the statement I received at my new address. This account was paid in full upon moving. I then began to receive collections calls. When I logged back into my account, there was a balance owed. At which point representatives of XXXX admitted to altering my account information. XXXX has admitted on a recorded line to falsifying documentation for collections efforts. 

I have never received any correspondance from Sunrise Credit via mail or otherwise. They then placed a derogatory remark on my credit with no prior notification. This balance has been resolved since XXXX of 2022. I do not owe this balance. I never acknowledge owing this balance. I was never told I owed this balance until XXXX of 2022. This was resolved completely in XXXX of 2022. And I have received zero correspondance from either XXXX nor Sunrise credit at any point and time prior to a second derogatory remark on my credit.
Consumer complaint received 2023-04-20
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. (MD)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-20
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. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (NY)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-04-21
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. (GA)

i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-10-10
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. (PA)

after dispute and investigation of this account- XXXX XXXX XXXX XXXX XX/XX/XXXX it was deleted on XX/XX/XXXX. Without notification and evidence of the account it was reinserted onto my credit report. This is a direct violation of the FCRA ( Fair Credit Reporting Agency ) which is affecting my ability to secure a mortgage and needs to be deleted immediately.