davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (OH)

I reached out to this company via phone around XX/XX/2019 to request validation of debt that showed up on my credit report, Aargon account # XXXX. I ave never done business with Aargon nor had any communication from this company prior. They were unable to provide me with the information. I then receive a letter in the mail dated XX/XX/2019 from Aargon that states if they receive a written request within 30 days of this notice they will then request verification from the original creditor. Not only did Aagron furnish information on my credit report without notifying me and giving me the opportunity to dispute but they also have done so without properly validating said debt. They should already have this information prior to reporting to the credit bureaus. This would explain why they couldn't validate the debt when I called previously. If Aargon Collection Agency can not provide proper validation on this debt, it needs to be removed from all credit reporting agencies including XXXX, XXXX and XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit 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 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 2024-08-08
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. (CA)

Ive been trying to remove this account from my credit after i found out that my XXXX XXXX had used my information to open an account without my knowledge. The creditor nor the bureaus have been helpfull
Consumer complaint received 2024-08-16
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. (FL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 2024-08-08
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-08-16
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: W&A Intermediate Co., LLC (MI)

At XXXX, XX/XX/year>. On a recorded line directed to ( XXXX ) XXXXXXXX XXXX XXXX XXXX I personally made a phone call after providing my name and the account numbers being shown on my credit report. asked for the purchase agreement and accuracy of this account due to not having any knowledge of this prior to the credit report. The representative claimed they have no purchase agreement
Consumer complaint received 2024-10-07
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-08
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting XXXX XXXX Account number # XXXX Delete this account. 
2.12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (NY)

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

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section XXXX and XXXX XXXX provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I bought a XXXX XXXX XXXXXXXX from XXXX on XX/XX/XXXX. I realized when I got this that this was not the one I wanted and so I organized to return it via XXXX pick up. I generated the returned through the XXXX app and returned the item via XXXX pick up at my home on XX/XX/XXXX. After several weeks, I contacted XXXX concerning my refund and was told I would have to wait a certain amount of time for the warehouse to receive the item. XXXX never scanned the item upon pick up so the tracking information never updated. After countless back-and-forth between XXXX and myself they continue to tell me I needed to wait months for my refund. I decided to then dispute this with my credit card company. ( Bank of America ). I let my bank know that I had the receipt from the XXXX driver when he picked it up at my house on XX/XX/XXXX. I provided all information to both XXXX and my bank concerning my return. After several months, the dispute with my bank was overturned in XXXX favor. I reached back out to XXXX and was told they needed to contact their chargeback department which I did through email. My bank told me in the letter that the reason why the dispute was overturned in XXXX favor is because they brought forth documentation saying that I received the item. This was not what I was disputing because I received the item on XX/XX/XXXX, however, I returned it via the XXXX apps instructions for XXXX pick up on XX/XX/XXXX. I don't know why Bank of America decided this in XXXX 's favor because they claim I received the item and didn't even acknowledge the real reason I was disputing this case, and it was due to the return of the item. I still have the receipt from the XXXX pick up and I want my refund of {$160.00} from XXXX. They continue to tell me I need to contact my bank and I am not getting any assistance from my bank on reopening the claim. I even filed a claim with XXXX under the tracking number. The tracking number for the XXXX pick up that I sent back is XXXX XXXX XXXX XXXX XXXX XXXX. I have opened a claim under this tracking number for my return and have got no resolve.
Consumer complaint received 2023-04-13
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ID)

Re : Incorrect personal information To Whom It May Concern, I am writing to update/correct my personal information on file with your agency. 
Please update my name to : XXXX XXXX. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only social security number ends in XXXX My only and correct date of birth is : XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I am writing to file a formal complaint regarding an issue with my credit profile being split by Equifax, resulting in my full credit profile showing as blank and none of my accounts being displayed since XXXX has significantly impacted my ability to secure housing and car financing, as individuals and institutions are unable to pull my Equifax credit score or profile due to it being blank. 

This situation has caused undue stress and financial hardship as I am currently unable to proceed with important financial transactions such as applying for an apartment lease and obtaining car financing. I have made multiple attempts to rectify this issue with Equifax directly, but have not received a satisfactory resolution. 

I am requesting immediate intervention to resolve this matter and restore my credit profile to reflect accurate and complete information. If this issue is not addressed promptly and appropriately, I will have no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I appreciate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

XXXX is being reported on all 3 of my credit reports. XXXX representatives has failed to respond. I never authorized them to sell my information to a third party. 

I contacted fingerhut representative " XXXX '' On XX/XX/XXXX XXXX over the phone and i via certified mail receipt fingerhut on XX/XX/XXXX. I also contact the collection agency Resurgent Capital Services L.P., and they failed to respond to my request of them proving, showing original statements of account, original contact showing my wet signature agreeing to do business with them, i also requested them to show proof they have a license to do business in XXXX XXXX order to collect. I received no response and I certified mail the CEO requesting the same and no response. 

They're reporting this on my XXXX credit report XXXX XXXX XXXX and on my XXXX XXXX XXXX XXXX Account # XXXX and on my XXXX credit report LVNV FUNDING LLC is collecting on behalf of Resurgent Capital Services L.P. , and federal law prohibits a collection agency to collect on behalf of another collection agency aandthe federal law prohibits collection agencies to collect on behalf of a creditor as a third party due to no proof of original contract showing the consumer agreed to do business and pays. 

In addition, XXXX XXXX account is showing the same results and I contacted Webbank/Fingerhut and Resurgent Capital Services L.P. , LVNV FUNDING LLC numerous of times and they failed to respond to the inaccurate items, they failed to prove what I request in my dispute letter requesting to validate the debt nor did they remove inaccurate items being reported. I would like this inaccurate account removed immediately from all 3 of my credit reports.. 

Thank you for your time and consideration
Consumer complaint received 2024-10-03
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. (OH)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX Bankruptcy Federal Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 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 2023-11-06
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. (AL)

I'm trying to purchase a house andI realized my account information has not been changed nor updated to correct information. FICo score and Credit Score was not updated along with balance and correct information making it hard for me to purchase loan or mortgage loan.
Consumer complaint received 2024-08-16
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. (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 2023-04-13
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-03
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. (WI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-08
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. (TX)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Financial Inquired on the following days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

These ARE NOT soft pulls offering me credit cards. These are inquiries by a data furnisher who is obtaining information on my report to send to other collectors.
Consumer complaint received 2020-01-09
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. (MI)

Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine.

2. This account is not mine and was never opened by me.

3. This account has been sold with no proof it belongs to me.

4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there.

5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : TBOM/Milestone, letter head GENESIS FS CARD SERVICES. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.