davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (LA)

Please see attached Pursuant to 15 USC 1692g - validation of debts, these companies are in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. 

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I DEMAND that you delete ALL the accounts listed below IMMEDIATELY.
Consumer complaint received 2023-04-10
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. (FL)

I have reached out to the company requesting that the account be removed. The company is reporting two different accounts on my credit report when it should be one because they are the same. company has yet to remove the account that they are reporting in error which is negatively impacting my credit score.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days. 

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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. 

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question. 

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XXXX XXXX XXXX, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (AL)

On XX/XX/2023 I received two letters from genesis card services regarding a credit card opened up in my name. The first letter was about a credit protection plan offered by them. The second letter stated that the address on the account had changed. The date on these letters was XX/XX/2023 On XX/XX/2023 I checked my transunion credit report and saw that on XX/XX/2023 there was a credit check against my information from genesis card services. 

On XX/XX/2023 I called the number on the letter from genesis card services and reported to them that my information had been used to take out a card in my name. They submitted a report then requested that I submit a complaint through this site. The person stated that I would have to send a letter ( that I will receive from you ) and send it to them.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i have accounts, collections, inquiries, and addresses that are not mine reporting to my credit report. this is wrong, inaccurate and not mine. I have reached out multiple time to the credit bureau and i want all of this removed immediately. this is incorrect information. i did not authorize anyone using my information. i have been contacted on multiple occasions even after telling them to stop contacting me and that these were opened fraudulent. they disagree and have continued harrassing me. 

Inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The inaccurate addresses being reported are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are inaccurate and should be removed.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the three credit bureaus. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ TransUnionXXXX ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX TransUnion XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

EQUIFAX IS REPORTING AN INCORRECT ACCOUNT AND BALANCE ON THE CREDIT REPORT THAT DOES NOT BELONG TO ME THEY HAVE BEEN NOTIFIED AND VIOLATED MANY RULES OF THE DISPUTE PROCESS THIS IS A FRAUD IDENTITY THET, AND MULTIPLE REQUESTS HAVE BEEN SENT
Consumer complaint received 2023-04-28
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2023-04-28
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. (LA)

XXXX  and XXXX FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXXXXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information XXXX  and Equifax have inquiries that are listed that I have not given the creditor permission to open a copy of my credit report
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ TransUnionXXXX ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX TransUnion XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process.
Consumer complaint received 2024-10-18
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. (NJ)

The List of accounts below display as hard inquiries on my report & have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX These accounts displayed under TRANSUNION that i am unaware of must be removed. 

I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted the attached claim with Bank of America XX/XX/XXXX and its currently XX/XX/XXXX thats going on XXXX  monthsduring this time I have made several calls to them in regards to returning my money they still have not done soas a customer that have had to deal with theft including cellphone and wallet having your funds kept from you from your financial institution is disgraceful.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (FL)

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 update 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 XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

I recently sent amsher collection company a dispute in regards to a collection that theyre reporting on my credit report. They have failed to validate that I in fact owe a debt the form sent was debt collection validation informing them to supply me with the information obtained to show that I in fact owed the debt. I am not requesting a verification of debt, but a validation of debt. All collections must cease and desist immediately until they provide proof of debt by way of validation not verification. They are operating in deceptive practices and will be held civilly liable.
Consumer complaint received 2023-04-28
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 appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there are still an account that needs to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately. 

XXXX XXXX XXXX XXXX