davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (NJ)

Hello, My name is XXXX XXXX XXXX. I am reaching out for additional assistance as this false reporting is ruining my reputation and life. I have reached out to have this account removed from my credit account as this is not my account however the action item is still listed. 
I placed NUMEROUS PHONE CALLS & disputed this with the credit bureaus and to no avail has anything changed ( see attachment below ) During the time that this account was opened ( XX/XX/2022 ) FRAUDULENTLY with XXXX XXXX  who then sold this account to XXXX AND AXXXX 

I was undergoing treatment with a XXXX  during this time ( which I have attached ) due to a bad car accident ( police report also attached ) where I was unable to complete basic tasks let alone work out at a gym!! 

I am a law abiding hard working citizen looking to purchase a home and can not because of the way I am being discredited. I have a great relationship with creditors that I have AUTHORIZED accounts with. 

My information has been stolen before in my younger age and I have been having issues with fraudulent accounts ever since. I have tried freezes and currently to this day pay for credit monitoring. ( I have attached my previous police report for THEFT ) Per the consumer laws as well ; the one listed below specifically. 

15 U.S. Code 1681a - Definitions ; rules of construction When investigating a consumer report it means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This agency has violated me in every way. I only want to get this removed as this damage is ruining my life and this is not how I operate with creditors who I authorize and do business with. 

PLEASE HELP!
Consumer complaint received 2023-07-27
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. (TX)

I checked my credit report and found that some of the data were incorrect. 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
Consumer complaint received 2023-05-07
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)

AS OF XXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE
XXXX XXXX XXXX XXXX
AUTHORIZED USER
Credit usage
40%
Balance
XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
XXXX  Account info
Account number
XXXX  Open/closed
Open
Date opened XXXX XXXX XXXX  Account type
Credit card
Status
Open/Never late.
Status updated XXXX XXXX  Highest balance XXXX
Monthly payment XXXX
Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (VA)

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 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 2023-07-27
Product: Credit reporting, credit repair services, 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)

There loans inquires credit card inquires that should not be on report or had access on my credit report and other social security numbers address that not associated with me and emails and full name and last names should be associated with my credit report and inquires for pay day loans credit cards car loan house loans that should not be with my credit or have any hard inquires I have not ran any hard inquires in 8 months of credit history only one time I allowed my credit to do one inquiry which was utility bill of gas bill and XXXX  cellular services that was the only 2 credit applications I need to have all hard and soft inquires removed off all 3 credit bureaus my credit history
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you XXXX, XXXX, or Experian permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i
Consumer complaint received 2023-07-27
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

Hello, I had been a long standing Citi Credit Card customer for the last 16 years having the account go back to 2000. In XXXX the account abruptly closed without notice to me. I only found out about this when I attempted to update my contact info and was unable to online. When I called to update it I was informed the account was closed due to inactivity. Like many other young Americans I 've been working my way out of debt and had reserved this card for emergencies. Had I known of an inactivity limit or been given a warning I would have taken steps to prevent this. 

Upon learning this I asked for the account to be reopened and was informed I would have to submit a new application for this including a credit check. I do n't understand why this was necessary with 16 years of good history but I consented even though it would mark as a hit to my credit. A few weeks later I received a letter saying my request had been denied due to insufficient information even though I answered every question asked by the representative during my original phone call. I was given a number with a time window to call and have this taken care of. I called the provided number and after a 1/2 hour on hold was told a different department would need to call me back. They never did. I wrote an email stating I did not understand the problem and asked for the correct people to call me. Another generic customer service rep called and again transferred me to a different department. They said I needed to submit a new application, something I had already done something I did n't want to do with another hit to my credit. During this process I was disconnected and was not called back. I wrote again asking the correct people to call me and stating I do not understand why this is such a hassle. 

During these phone calls I was also given conflicting information by 4 or 5 different representatives. Some saying I had 3 months to reopen the account, some saying one year. In either case it has resulted in unnecessary credit reports being pulled potentially damaging my credit. Citi fails to properly process my requests and give me accurate information about the status of my account and reapplication. One simple phone call from an appropriate representative could have solved all my problems.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, 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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-29
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. (FL)

I've reach out to the creditor XXXX on numerous occasions about a late payment that's on my credit report and nothing was done. Finally they tool it to the XXXX  and immediately XXXX reached back out to me we came to and agreement to resolve this I held my end of the bargain they told me they solve the issue and the negative report will be removed from my credit report. I gave it some time I check my credit it was still there I reach out to XXXX & Transunion they both said XXXX still show late payment. I call XXXX and ask them why is this still there on my credit report they said they changed it on their end so it should have been updated on my credit report, so they said what I should do is file a dispute and this way once the credit bureau reach out to them then they'll have it updated. I just got back my dispute results and they basically now saying they not changing it. I have the emails which I will attach to support my argument and how unfairly I am being treated. I don't know if it's the credit bureau XXXX XXXX TRANSUNION who's refusing to update and remove those late payments from my report or XXXX lied to me but I need this to be fix and removed/ updated immediately!!
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NV)

CFPB, RE : XXXX XXXX XXXX XXXX XXXX XX/XX/2023, to the Consumer Financial Protection Bureau in response to complaint # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX state : Thank you for the opportunity to respond to complaint number XXXX of XXXX XXXX. XXXX and XXXX XXXX XXXX did not threaten legal action against XXXX XXXX and does not report to the credit bureaus. Admitting no wrong doing, XXXX and XXXX XXXX XXXX XXXX has closed this account and returned it to our client. XXXX XXXX will not be hearing from XXXX and XXXX again regarding this account. XXXX and XXXX XXXX XXXX XXXX XXXX 

Such typos and inconsistencies alone are indicative of the business practices of Take & /and Kirlin and Associates ( LVNV FUNDING LLC XXXX XXXX XXXX  XXXX et al ). 

XX/XX/2023, and XX/XX/2023, Pages 2 of letters sent via USPS from XXXX XXXX XXXX XXXX XXXX XXXX state : The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV FUNDING LLC can not sue you for it. If you do not pay the debt, LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid. 

Despite Admitting no wrong doing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX did not threaten legal action... and does not report to the credit bureaus.

yet LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid. 

As such, apparently, XXXX XXXX XXXX XXXX XXXX XXXX choose to ignore Page 2 of their own letters.

Premeditated and/or actual slander, libel, and defamation of character are legal actions intended to damage credit worthiness and economic standing whether or not a court of law is involved. 

Unlike the CFPB, XXXX XXXX does not recognize nor distinguish differences between multiple companies represented on the same letterhead issuing suggestions of legal actions such as reports to credit reporting agencies/bureaus sent through the United States Postal Service . 

Also unlike the CFPB, XXXX XXXX does not condone, support, or dismiss perjury to Federal institutions ( 18 U.S.C. 1001 ) such as the CFPB, despite the assumptions, actions, and crumbling integrity of businesses in the United States of America.

Get these perjurous panhandling frauds out of the Peoples inboxes. 

XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2023-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

It has come to my attention that there are multiple collection accounts listed on my credit report, from various creditors, which I firmly believe are inaccurate and incomplete. I will provide the relevant details below : Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$860.00} Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$2000.00} Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$1800.00} The inaccuracies in the reported amounts and dates of first delinquency have left me feeling vulnerable and powerless. I have always been diligent in managing my credit and financial responsibilities, and I deserve accurate and fair reporting as outlined in the Fair Credit Reporting Act ( FCRA ). 

I initiated disputes with the credit reporting agency on XX/XX/XXXX, firmly believing that my concerns would be addressed promptly. However, to my disappointment and dismay, there has been no response or acknowledgment of my dispute. This blatant disregard for my consumer rights, as protected by FCRA Section 611 ( a ) ( 2 ), has added to the frustration I am experiencing. 

As of today 's date, XX/XX/XXXX, I have yet to receive any written results of the investigation. The inaccurate collection accounts still remain on my credit report, which directly violates my right under FCRA Section 611 ( a ) ( 3 ) to have inaccurate or unverifiable information corrected or removed within a reasonable time frame. 

Furthermore, my request for verification of the debts, as mandated by FDCPA Section 809 ( b ), has fallen on deaf ears. I have not received any response or verification from the original creditors, leaving me feeling disregarded and dismissed. 

Behind these collection accounts are not just numbers but a real person who strives to be financially responsible. The impact of these unjustified entries on my credit report goes beyond numbers ; it affects my ability to secure loans, housing, and employment opportunities. I feel my financial wellbeing and peace of mind are at stake. 

I am reaching out to the CFPB with this complaint, as I trust that you will take these violations seriously and conduct a thorough investigation into the accuracy and validity of these collection accounts. My hope is that you will intervene and ensure my rights as a consumer are upheld. 

Please communicate with me promptly, providing updates and information about the progress of the investigation. Your timely assistance will not only alleviate my concerns but also reaffirm my faith in the regulatory system that is in place to protect consumers like me. 

Thank you for your understanding, and I look forward to a resolution that restores the accuracy of my credit report and upholds the principles of fairness and consumer protection. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i was denied credit card with XXXX XXXX not sure why when all of my debts are paid in full. I know about the 1099c, 1099b, ucc3 103, ucc3 104, hjr 192, etc. please delete report off of my record and approve my credit card to me. it is my rights to own one.
Consumer complaint received 2023-07-27
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-29
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: EQUIFAX, INC. (NC)

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 XXXX XXXX Account # XXXX Account name : XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct. XXXX, XXXX XXXXXXXX XXXX Acct . XXXX, XXXX XXXX  Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX Acct, XXXX, XXXX XXXX XXXX XXXX  Acct. XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Bankruptcy Discharge Acct # 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 2023-04-29
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX XXXX Balance : {$7700.00}.
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TN)

This debt apparently occurred as a result of identity theft. I spoke with a representative from Acima and she stated this was a finance furniture account. I have never financed any furniture or never had a furniture bill anywhere. I had no knowledge of this debt until it was placed on my credit report. 

According to the IRS, charge offs are considered income therefore I should've received a 1099c ( if this was my debt ) Income is forbidden to be on a consumers report according to congress 15 USC 1681 2. ( a ) ( i ) No transactions or experience are allowed to be on a consumer credit report.