davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (CO)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2023-07-28
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)

I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These accounts are also past the legal time to be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. In the results of your XXXX  investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (PR)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below :
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

There are false information on my report. Phone numbers on my report need to be removed. Only valid number is ( XXXX ) XXXX. 

The following need to be removed as it is inaccurate information : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against XXXX, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by XXXX have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to XXXX XXXX and TransUnion concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, XXXX failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

XXXX did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
XXXX has incorrect Addresses & Phone Numbers Inaccurate. 
TransUnion Phone Number Inaccurate. 

XXXX and TransUnion did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding XXXX accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to XXXX. 

15 U.S. Code 1681e ( b ) 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 to whom the report relates. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately
Consumer complaint received 2022-10-28
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. (NY)

ive sent multiple letters to remove this 7 years and 6 month year old charge off account with a balance. on XXXX and XXXX XXXX  XXXX XXXX, Account Number : XXXX this account is a charge off with a balance of {$550.00}. A charge off means XXXX  XXXX XXXX  has written it off already and has been paid. It is inaccurate for there to be a past due balance if it is a charge off.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete.

Also this charge account was opened XXXX  XXXX, XXXX, that was more than 7 years ago this means the charge off by law must be deleted. 
Also I respectfully Contacted XXXX XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 5 consumer laws you are violating.. 

also there is unauthorized inquires on my reporting that i did not give permissible purpose for and most be deleted. 
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX BANK XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2023-07-19
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. (TX)

I am writing to dispute the account referenced XXXX XXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2023-06-10
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. (MD)

I am writing to address an issue regarding a past due payment that occurred in XX/XX/2022. I kindly request your consideration in releasing this payment, as it is the very first late payment in the history of my credit, I have ever had with XXXX or any other company. 

I would like to provide some context regarding the circumstances that led to this overdue payment. It was due to a miscommunication issue that arose between me and XXXX  customer service agents. I had intended to activate a service for XXXX purposes, valued at {$90.00}, through XXXX. However, as I discovered later, the service was unnecessary as I already possessed an existing account with XXXX that provided me with the required services XXXX claimed I had used from their purchase, which is not true. Ive contacted XXXX who stated they can not email me anything stating I already have an account and did not open a new one. 

Unfortunately, during the process of canceling the XXXX loan associated with the unnecessary XXXX service, there were some challenges in effectively communicating my intentions to the customer service representatives. As a result, the service was not activated, and a payment was inadvertently missed. 

I sincerely apologize for any inconvenience this may have caused and take full responsibility for the oversight in not ensuring the timely cancellation of the unnecessary service. As a conscientious borrower who has always honored their financial obligations, I assure you that this occurrence was an exceptional circumstance. 

I kindly request that XXXX XXXX review my account history and consider releasing the 30-day past due payment in question. I firmly believe that this situation is an isolated incident and does not reflect my commitment to meeting my financial responsibilities. XXXX continues to accept new lines of credit for me even though I appeared as untrustworthy to them by inadvertently missing a payment due to a misunderstanding. Moreover, I value the professional relationship I have developed with XXXX over the course of my account tenure. 

I would greatly appreciate any assistance you can provide in rectifying this matter. Please feel free to contact me at your earliest convenience to discuss the details further. 

Thank you for your attention to this matter. I look forward to a prompt resolution, and I trust that we can find a mutually beneficial solution. I appreciate your understanding and cooperation.
Consumer complaint received 2023-08-11
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. (KY)

Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. No contract companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXX XXXX as well.
Consumer complaint received 2019-11-27
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. (OH)

I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/19 XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-07-18
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. (FL)

After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX Bank that was showing in collections through XXXX XXXX XXXX. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through XXXX XXXX, XXXX. 

On XX/XX/2023, I wrote to XXXX XXXX XXXX stating that the account through XXXX XXXX Bank does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX Bank, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. 

It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is. They have not responded. I want the information removed from my report immediately.
Consumer complaint received 2023-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ingenuity RM, LLC (ND)

This company responded tell me that I was named as a co-defendant on the judgment in question, filed in XXXX XXXX XXXX, ND on XX/XX/XXXX. The judgment was renewed on XX/XX/XXXX. they claim I was served personally with the Summons and Complaint related to that judgment on XX/XX/XXXX - was not ever served! They can not provide proof and refuse to do so! The judgment was originally in another company 's name, but it was assigned to Ingenuity RM , LLC and an Assignment Notice was mailed to XXXX XXXX on XX/XX/XXXX, this never happened! I never heard of this until I was garnished. They state In accordance with North Dakota law, a Garnishment Notice was mailed to XXXX XXXX on XX/XX/XXXX followed by a Garnishment Summons ( with copy to her employer ) on XX/XX/XXXX. Our representative spoke with her on XX/XX/XXXX and explained that her name is on the judgment and she is legally responsible for medical debt incurred for herself or her spouse while married. I requested proof of service and proof of debt and never received anything!! They just keep telling me stuff that I know isn't true. I would remember getting served.
Consumer complaint received 2024-10-31
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. (MI)

Im a victim of identity theft and do not recall this account. These accounts are fraudulent. I am not liable for this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX