davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-30
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

items that need to be disputed : Experian : XXXX. XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} - Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX Collection XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} - ChargeOff XXXX : XXXX. XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XXXX Balance : {$2300.00} - Collection XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} - ChargeOff XXXX : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} - ChargeOff
Consumer complaint received 2024-09-30
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. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (IL)

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 XXXX5 USC 1681.

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 2024-09-30
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)

After my first initial complaint theyve done nothing to validate the debt it is on the company reporting this information to make sure its 100 % correct the parties involved have not responded to any debt validation letters and now transunion is in violation of reporting false information please step in to further assist this have been a ongoing thing and they refuse to remove falsely reported information and is causing harm to my character and going along with this identity theft. 





According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my wet Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

I own a small trucking company. One of my trucks needed a repair. I hired a mechanic to do the repair on XX/XX/XXXX. He told us he installed new batteries and a new starter on the truck. The mechanic stated his work was guaranteed and I paid him with my TD Bank XXXX credit card {$2300.00} for this repair. When my driver went to start the truck for work the next day, the truck did not work/start again. We tried calling/texting mechanic to let him know the truck was not working even though the previous day he said he fixed the truck. I have the texts and phone records showing we were reaching out to the mechanic with no response from him. I had to hire another mechanic to fix truck again and found out the parts put in my truck by the first mechanic were wrong. I filed a dispute on XX/XX/XXXX for the above transaction with my TD Bank XXXX credit card. Even though I paid the first mechanic {$2300.00}, my dispute amount was for only {$1300.00} because that amount is for the wrong parts. The credit card company requested proof of records and a second estimate for work done on truck. I overnighted a package on XX/XX/XXXX to the credit card company. Within a day or two that is when the dispute department requested a second estimate. The dispute department stated I had only until XX/XX/XXXX to submit the second estimate documentation. So I faxed the second estimate on XX/XX/XXXX which was the same date the dispute department received my overnight package. When I called to followup on Tuesday, XX/XX/XXXX the dispute department stated they never received second estimate needed for dispute, even though I had a fax confirmation transmission stating the fax was sent. So I sent fax again onXX/XX/XXXX ( which was the deadline for this documentation ) and received fax confirmation sheet stating the fax was sent. TD Bank XXXX credit card stated they never received second estimate in time and they closed my dispute. So even though I did everything they requested in the time they wanted because of the failure on their end with not receiving fax ( even though I have proof ), my company lost when I should be protected by the " XXXX '' logo.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Good day. Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my XXXX XXXX, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX  that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.
Consumer complaint received 2024-09-28
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. (FL)

This is really concerning as applications were done in my name without my knowledge and consent, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2018-04-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (MO)

I live in Missouri. XXXX XXXX XXXX have contacted me, they know my phone number and address and XXXX XXXX XXXX recently contacted an ex-brother-in-law living in Florida. He knew it was a debt collector and reported that the lady, XXXX, was rude. She also contacted the ex-brother-in-law on his cell phone, so I have no idea how she got that number. I have spoken with XXXX XXXX XXXX, they have contacted me while I am working and I have told them I would call them back when I wasn't at work. As I said, they have contact information for me so there is no reason they should be looking up possible relatives, or random people with the same last name as me.
Consumer complaint received 2018-01-08
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed
Consumer complaint received 2018-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NH)

I have a personal loan with One Main Financial. My probelm is repeated phone calls and mail about my account. i have attempted to clarify the terms of my loan to no avail. My due date is the XX/XX/XXXX of the month, my grace period before late charges kick in is 10 days. While my payday is the XX/XX/XXXX usually, I don't mail my payment until that date. which allows 6 days for the payment to reach them. My problem is I begin receiving phone call and mail correspondence the day after my due date of the XX/XX/XXXX. Currently on my phone I have saved over 40 phone calls in 60 days and 28 pieces of mail in just over 30 days. All this is going on while I am traveling everyday to take my wife to XXXX XXXX. My question is do I have any options legally in this matter..
Consumer complaint received 2024-08-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XX/XX/year>
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

EQUIFAX XXXX XXXX has used my credit report improperly and without my verbal or written permission, further violating my FCRA RIGHTS. EQUIFAX was sent a dispute by me on XX/XX/year> for the item XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR - XXXX XXXX - AMOUNT XXXX. I sent in an FTC identity theft form fully filled out with all the information along with all of my identifying documents. EQUIFAX REFUSED AND DENIED MY BLOCK REQUEST. this is becoming a pattern for EQUIFAX to not properly investigate my claims and block my requested item within 5 days of the FTC id theft dispute. EQUIFAX sends me notices every time i submit a id theft report, thats states they are denying my request. Even after multiple disputes both mail and online, multiple phone calls and XXXX or more id theft reports EQUIFAX INTENIONALLY REFUSES to honor this goverment document and is still allowing this company access to my personal credit file after i requested this company be blocked and all reporting cease immediately. Recently on XX/XX/year> EQUIFAX recieved my XXXX dispute via certified mail along with an FTC ID THEFT REPORT TO BLOCK THE ABOVE MENTIONED ITEM. IT HAS BEEN ONE WEEK AND EQUIFAX HAS NOT BLOCKED ITEM PER FEDERAL LAWS, AND THEY HAVE NOT HONORED THE FTC ID THEFT REPORT ONCE AGAIN. INSTEAD EQUIFAX HAS INITIATED ANOTHER 30-60 DAYS DISPUTE ON THE ITEMS, TREATING IT AS IF IT IS A NORMAL DISPUTE AND IT IS NOT IT IS IDENTITY THEFT. MY FCRA LAWS ARE BEING VIOLATED AND ALSO MY PRIVACY IS BEING VIOLATED. I REQUESTED A METHOD OF VERIFICATION OF THE VERIFIED ITEM AND I WAS TOLD BY EQUIFAX THAT THEY WOULD NOT PROVIDE THAT INFORMATION, INTENIONAL NEGLECT, AND WILLFUL VIOLATION OF FCRA 611. EQUIFAX IS ALSO IN VIOLATION OF MY PRIVACY LAW PER FCRA
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024
Consumer complaint received 2023-11-20
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. (PA)

They have failed to resolve my concerns. They have failed to communicate with the creditor involved. The credit consulting agencies have failed to provide coherent and consistent reports. All their details were mismatched to XXXX another, not just in XXXX criteria or rows but all other XXXX rows were incoherent, incorrect and misleading.