davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (VA)

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (IL)

Transunion continues to report inaccurate information that is causing me harm. I have contacted Transunion several times to get this matter resolved. 

My current address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX. 

My name is XXXX XXXX. No other names should be listed on my credit report.

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2023-08-08
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XX/XX/2023 I requested by letter that the 3 credit bureaus remove the the unknown companies with the collection accounts on my credit report. I have not opened any accounts with these companies. Only one bureau was updated, and one month later XX/XX/2023 my credit score goes down by XXXX points without any reason given. 

Company names : XXXX XXXX XXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I discovered my fico score said I have XXXX collections. I knew that was wrong because i always pay my bills. I tried to find out what could be on my report. First of all, it seemed very fishy, because, both were exactly {$170.00}. Then I found out that the bill was for sprint and I had not had sprint for at least 5 years, approximately. Why would I have a bill from XXXX, who never contacted me since my final bill, years ago?
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bursey & Associates, P.C. (AZ)

XXXX XXXX  has sent a debt consolidation loan to serve me papers to sue me for the cost of XXXX. That includes court fees and fees. I tried to make arrangements with them and in the meantime I pay XXXX law to help with my low credit score. I was informed by them they were aware of this and sit tight. I called them on my own after many papers repeatedly saying the same thing. But before that I didn't hear anything about paying XXXX dollars a month.so now when I call burley and associates all I get is there is a red flag on your account and I can't say nothing. Well we're is my rights in all of this. I can't even have the chance to explain my situation. I work part time 20 hours a week, for minimum wage. For which is a temporary job that will end at the end of XX/XX/2023. For which always I was hurt on the job and trying to work while being on workman comp. I do not have it or I would pay. I tried years ago with a debt consolidation agency but after 2 years and XXXX dollars a month I couldn't pay and they dropped me. Please help. Thank you.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate XXXX 's cooperation in updating incorrect information such as names and addresses, I believe that XXXX is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against XXXX are as follows : Reporting Unverified Information : XXXX has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for XXXX to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, XXXX is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that XXXX addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that XXXX removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of XXXX  v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.
Consumer complaint received 2017-01-04
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

I checked my credit report and realized there 's a loan on there reporting derogatory that I did n't apply for or have any knowledge of. I 've reached out to seek validation with my original signature on it to prove it did n't belong to me, but have not heard anything back.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this complaint is for trans union I want to dispute an error on my credit report. The agency XXXX XXXX XXXX, put me in collection that reflects on my transunion credit report, stating that I owe them {XXXX}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. 
Im requesting to get the collection removed from my account.

Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX  agreement, account services /XXXX a proof of residency.
Consumer complaint received 2023-09-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This happened like 7 years ago! 

i returned a phone before the 14 days grace period to return such a device, XXXX XXXX NEVER COMPLETED THE RETURN, 5 YEARS LATER THEY SEND ME THE BILL FOR THE PHONE THAT I RETURNED 5 YEARS BEFORE THEY ACTUALLY SENT ME TO COLLECTION, NOW MY CREDIT WENT DOWN THE HILL TO THE XXXX! LESS XXXX POINTS! FOR SOMETHINH THAT I DOT HAVE AND THAT I NEVER USED IT!!!!!!!!!!!!!!!! THIS IS HORRIBLE! I NEEE HELP TO REPAIR MY CREDIT, TRY TO CONTACR XXXX AND IS PTRACTICALLY IMPOSSIBLE, THEIR WEBSITE DOES NOT WORK! 

THIS IS HOW IT APPEARS ON MY CREDIT FILE Collections XXXX I.C. System, Inc XXXX to XXXX
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (MS)

I told the Experian, XXXX, and XXXX to reinvestigate these 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 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-30
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. (MA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-08
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. (FL)

Subject : Dispute of Inaccurate Student Loan Accounts Under FCRA Rules Dear Consumer Solutions, I am writing to formally dispute the accuracy and validity of several student loan accounts that are currently appearing on my credit report. These accounts have a significant impact on my personal livelihood and financial well-being, and I am seeking their removal in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 
Below are the account details for the disputed student loan accounts : * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX I wish to bring to your attention that these accounts are no longer present on my credit report. Their presence is causing unwarranted harm to my credit score and overall financial standing. I have diligently managed my credit obligations and have adhered to responsible financial practices, and it is crucial that my credit report accurately reflects this.

In accordance with the FCRA, I kindly request an investigation into the aforementioned student loan accounts. As per FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to accurate and up-to-date information on my credit report. Moreover, FCRA Section 611 ( a ) ( 1 ) ( B ) mandates that if any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit report.

Please provide written confirmation of the initiation of the investigation within five business days, as stipulated by FCRA Section 611 ( a ) ( 2 ). Furthermore, I request that you provide me with a written update on the progress of the investigation and its outcome, in compliance with FCRA Section 611 ( a ) ( 6 ) ( A ) ( iii ).

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute is greatly appreciated. If necessary, please feel free to contact me to discuss any further details or clarifications. 
Thank you for your immediate assistance in this matter.
Consumer complaint received 2015-04-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

The number I listed below call 's the above listed business number XXXX to XXXX times a day and when the phone is answered on my end the line is disconnected. This go 's on 7 days a week. Our answering massage states " Thank You for calling XXXX XXXX ''
Consumer complaint received 2022-10-10
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Maximus Federal Services, Inc. (IN)

Dear Sir/Madam, I am writing to file a formal consumer complaint against the Department of Education and related entities regarding false and deceptive practices on my credit report or consumer report. I believe these actions have unjustly impacted my financial standing and creditworthiness. 

I have recently reviewed my credit report and discovered several alleged debts that I am confident I do not owe. These accounts, which are purportedly associated with student loans, are inaccurately reported on my credit report. The false information has significantly affected my credit score and, consequently, my ability to secure loans and access financial opportunities. 

Key issues of concern in this complaint include : 1. Inaccurate Reporting : The accounts in question are not valid debts owed by me. I have diligently kept records of my student loan payments, and these discrepancies are unjustified. 
2. Damaging Credit Impact : The inclusion of these false debts on my credit report has had a detrimental effect on my credit score, making it difficult for me to obtain favorable terms on loans, credit cards, and other financial products. 

Furthermore, I wish to assert my rights under 15 USC 1681 regarding permissible purpose. It is my understanding that consumer reports may only be provided to parties with a permissible purpose under the law. I question whether the Department of Education and related entities had a permissible purpose for providing inaccurate and damaging information to credit reporting agencies. 

I kindly request that the Department of Education promptly investigate this matter, correct the inaccuracies on my credit report, and take appropriate actions to rectify the damage done to my creditworthiness. I believe in the importance of accurate and fair reporting, and I trust that the relevant authorities will ensure this is upheld. 

Please find enclosed copies of supporting documents, including evidence of my loan payments and any relevant correspondence. I am more than willing to cooperate fully with your investigation and provide any additional information that may be required. 

I look forward to a timely resolution to this matter and request that you keep me informed of the progress of your investigation. 

Thank you for your attention to this serious issue. I anticipate your prompt action in rectifying these false and damaging entries on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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.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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL XXXX.