davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Greetings, I have initiated a multiple disputes with Trans Union over  the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : 1. ) XXXX 2. ) XXXX XXXX Reporting Address : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX DATE XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2018-05-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (MI)

This " XXXX XXXX XXXX '' payday loan originated in XX/XX/XXXX. The supposed current balance is {$1400.00}. The statute of limitations in Michigan is 6 years. In addition, the interest is far beyond what Michigan allows for pay day loans. For over 5 years, I never received any correspondence for this account, nor any calls. This items popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing and criminal interest, feel this item should be removed from all 3 of my credit reports. XXXX just denied my request to do so. Please help.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

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 2020-06-30
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (IN)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2018-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I filed a dispute in the first week in XXXX and the sent me an email on XX/XX/2018 saying they had the results. Since that time I have called 3 times and tried to get the results. The link they provided didnt work and when I called the representative said they were having problems with the site and after I gave the confirmation number in the email they said they coffins it. One representative told me they didnt have technicians to fix the problem or for me to speak to.
Consumer complaint received 2020-06-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$400.00}, {$0.00}, {$3200.00}, {$530.00}, {$750.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (MS)

Message left on my phone regarding a debt owed by someone else. 
I have had this same number 15 years!!! 
Last call was XX/XX/2020 There are numerous complaints against this company for attempting to scam people out of money by making fraudulent debt claims.
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC (VA)

National Recovery Agency A Responsible Revenue Recovery Company, has claimed i owed a dept. i told them this dept was not mine, they refused to tell me any information about the dept other then it was with XXXX and when i said i would call XXXX they claimed XXXX dsnt keep track of what and who owes them money. then today they called again stating they were dept collectors before confirming who they were speaking with. they had my name but stated and address i never lived at. stated i had confirmed the address with them and they had it recorded. i asked for the recording and they refused to pull it up. they are trying to collect false depts and are a scam. 

there number is XXXX
Consumer complaint received 2018-06-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Farrell Holdings, LLC (ID)

Over the past few years we have been contacted by the collection agency XXXX XXXX XXXX about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.
Consumer complaint received 2024-10-20
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: Experian Information Solutions Inc. (GA)

Subject : Violation of 605B Rule and Unlawful Reinsertion of Fraudulent Accounts Without Notification Issue Summary : I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) specifically related to the unlawful reinsertion of fraudulent accounts into my credit report without proper notification. Details of the Complaint : Two fraudulent accounts were previously removed from m
y credit report after I filed an identity theft dispute under 15 U.S.C. 1681c-2 ( 605B ). However, these accounts have since been reinserted into my credit report without notification, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). I never received written or electronic notice of the reinsertion within XXXX business days, as required by law. The fraudulent accounts are : XXXX XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX These accounts were initially removed due to identity theft, and their reappearance on my credit report without notice constitutes a serious violation of my consumer rights under the FCRA. Additionally, the accounts have been reinserted as charge-offs, which is also unlawful because charge-offs representing income are prohibited from being reported on my credit report under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ).

Relevant Legal Requirements : Certification Requirement : The FCRA requires the furnisher of the information to certify that it is accurate and complete before it can be reinserted.

Notification Requirement : The FCRA mandates that credit reporting agencies must notify me within XXXX business days of the reinsertion, including the name, address, and phone number of the information furnisher.

To date, Experian has failed to meet these legal requirements.

Supporting Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Credit reporting agencies must follow reasonable procedures to ensure accuracy.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) CRAs are required to notify consumers when information is reinserted.

Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ) Failure to properly notify consumers of reinsertion violates their rights.

Desired Resolution : I request the following actions from Experian : Immediate removal of the fraudulent accounts from my credit report.

Written confirmation that these accounts will not be reinserted.

Copies of the certification from the furnishers of the information, confirming its accuracy, as required by law prior to reinsertion.

Failure to take immediate corrective action will leave me no choice but to pursue further legal recourse, including filing additional complaints and pursuing claims under the FCRA.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-09-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-18
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. (TX)

I HAVE NOT REQUESTED THIS TO BE VALIDATED OR VERIFIED. THIS IS ABOUT THE VIolations of the FCRA My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments ACCOUNT : XXXX XXXX
Consumer complaint received 2020-06-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$400.00}, {$0.00}, {$3200.00}, {$530.00}, {$750.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-04
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA IDTheft Department is Not Open on Weekends or at Night When Most Theft Occurrs. Reporting IDTheft Timely is NOT AVAILABLE. Criminals Do Not Sleep. USAA DOES NOT PROVIDE ACCESS FOR ADEQUATE PROTECTION.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX, I had electronically deposited a check from the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. Since Ally Bank is an online bank, I can either e-deposit the check through the app by taking verification images, or signing the check and mailing to the banks physical office, which can take XXXX business days by mail. 
On XX/XX/XXXX, I noticed a XXXX hold was placed on the check due to inconsistencies. I immediately called to inquire about the check where I was met with rude, unprofessional, and condescending customer service employees who then restricted access to my entire account for suspicious account activity following my phone conversations with XXXX XXXX XXXX XXXX 
I repeatedly called daily to understand why my entire account has been restricted, blocking access to my current funds, and blocking access to the app login, where I was unable to purchase food and medication for the following XXXX  days. I was repeatedly told they are waiting for the XXXX XXXX to verify my check. I was also told by XXXX customer service employee that it XXXX take weeks and in some cases up to a year. Another customer service employee was immediately dismissed my complaint and replied, anyway, did you have any other questions. I asked for a supervisor. I waited XXXX minutes and then spoke with XXXX who offered no information regarding the hold on the check or how long it will take to be released. The following day, I called and a representative in the fraud department, took my information down for verification, and after going over my profile, she replied, I dont have the patience to deal with this situation, uh uh too much, this is above my pay grade put me on hold for XXXX mins. and transferred me to a XXXX. At this point it has been over XXXX  days, and the funds still have not been released. Ally Bank appears to have some disgruntled employees who did not understand my frustration with their process and overall customer service, as a result, are purposely prolonging the access to my funds from my check from the XXXXXXXX XXXX
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2018-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (DC)

Good day. My name is XXXX XXXX. I am receiving a lot of calls from a lady name XXXX XXXX from GC Services. They will not send me any mail but continues to call all day all night. She will not explain what the call is about unless i give her my SSN number. Now she just calls every morning, everyday like she said she would. I was a victim of Idenity Theft and i explained this to her and requested that she send me something in the mail and she has not.