davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (AZ)

I am extremely frustrated with Designed Receivable Solutions, a collection agency, and I want to express my dissatisfaction. The handling of my case has been far from satisfactory, as outlined below : Upon discovering that my identity had been stolen, I promptly took action to address the situation. However, the consequences of this unfortunate event have been severe, impacting both my credit score and overall financial well-being. 

Despite my immediate efforts to dispute the fraudulent accounts and collections, Designed Receivable Solutions has not provided the necessary support or assistance. Their lack of responsiveness and failure to take swift action has only exacerbated the stress and difficulties I have been facing.

Resolving this matter has required extensive coordination with credit bureaus, banks, and law enforcement agencies. The collaborative effort to investigate the fraud and restore my credit report has been anything but smooth, and I expected Designed Receivable Solutions to actively cooperate in this process. Unfortunately, their negligence and inefficiency have only added to the already burdensome task of protecting my identity and recovering from the extensive damage caused.

I am deeply disappointed with the level of service provided by Designed Receivable Solutions, and I believe that their actions, or lack thereof, have contributed to the prolonged and distressing nature of this ordeal. I hope that by expressing my frustration, they will recognize the gravity of their shortcomings and take immediate steps to rectify the situation. 

Thank you for providing me with an opportunity to voice my concerns. I trust that appropriate measures will be taken to address this matter promptly and effectively.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my numerous efforts, these items remain on my report, negatively impacting my credit score. I have already contacted your office on four separate occasions, providing evidence of fraud and requesting the removal of these items. Enclosed, please find copies of my previous dispute letters and your responses, along with additional supporting documentation. Given the ongoing nature of this issue and the lack of resolution, I am requesting immediate action to delete these fraudulent items from my credit report. Failure to do so will leave me no choice but to escalate this matter further. Kindly help me remove the following items immediately : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-25
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. (FL)

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/year> Balance : {$13000.00}
Consumer complaint received 2024-07-25
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. (VA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please removed these accounts from my report, this is hurting my ability to obtain credit and also causing me to have very high interest rates.
Consumer complaint received 2024-07-11
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. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on or around XXXX, I've noticed a charge-off on my credit report., I'm very disappointed, I have tried several attempts to tell this company XXXX XXXX I was not the one with the vehicle nor did I make any settlement offer payment. But since this vehicle is now with a XXXX balance no matter how it was paid, AGAIN, I MADE NO PAYMENT... why would XXXX still put this burden on my credit report. I am trying to start a business for my family, and I can not do so with this stressful NEGATIVE mark reflecting my credit report, it has put a strain on me and yet depressing. IN accordance with the FAIR CREDIT REPORTING ACT XXXX FINANCE HAS VIOLATED MY RIGHTS.15 USC 1681 SECTION 602A, STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. I DID NOT RECEIVE NO SUCH INFORMATION OR ANY DOCUMENTS FROM ANY COMPANY WITH OPT-OUT INSTRUCTIONS ALSO, I DO NOT RESIDE AT THE ADDRESS STATED BY EXETER. SO, BEFORE YOU DECIDE TO assume this account validated or verify let 's be clear I am not asking for validation nor verify, to waste my time. Please delete this negative mark from my credit report. I also do not consent to e-Oscar system when looking into this matter. ALSO, PLEASE UPDATE XXXX XXXX to good standing without the late payment. I have sent dispute letters again to the credit bureaus.
Consumer complaint received 2024-07-25
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. (FL)

Incorrect Information to be Removed : Names : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX to be Listed : Names : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please review the information and make the necessary corrections to my credit report. Thank you.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX 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 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced : {$5300.00}
Consumer complaint received 2024-07-25
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-25
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. (FL)

I reviewed my credit report and discovered the following debt collection agencies are not license to collect alleged debt in the state oXXXX XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : Non listed According to Florida Collection agency laws : Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about the alleged debt, in accordance to FCCPA which Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX aren't licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-07-25
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. (GA)

I am writing to dispute the following unauthorized inquiries that have appeared on my credit report. I have never applied for credit nor given permission to the companies listed below to run inquiries on 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 Additionally, there are other inquiries on my credit report that I do not recognize and did not authorize. These inquiries are as follows : resident verify XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent or authorization. I request that these unauthorized inquiries be removed from my credit report immediately. 

Please investigate these unauthorized inquiries and confirm their removal in writing. Enclosed are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-25
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. (NY)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I sent a letter to Experian on XX/XX/year> asking them to remove information and send me a new credit report with the changes and that has not been done. I get certain emails from them advising they removed the information but I have not received my new credit report. I did with the other credit bureaus but not Experian. I need them to remove the incorrect information off my credit report and send me a new one with the changes made.
Consumer complaint received 2024-07-02
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. (OH)

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report. 

Name of Alleged Creditor : XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report.
Consumer complaint received 2024-07-28
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 was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C. And 1681 You have broke the law because these damages are fraud and I am trying to move forward.
Consumer complaint received 2024-07-27
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. (WI)

Car auto loan called XXXX XXXX XXXX continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXX XXXX. Paid XXXX blue book value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. XXXX no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off credit acceptance. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..
Consumer complaint received 2024-07-27
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. (TN)

I'VE RECENTLY RECEIVED MY CREDIT REPORT AND NOTICED SOME INACCURACIES TO MY CREDIT REPORT. I'VE ASKED THIS COMPANY TO PROVIDE DOCUMENTATION TO WHY THEY ARE REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT.
Consumer complaint received 2024-07-27
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. (TX)

closed account : XXXX  # XXXX XXXX XXXX XXXX XXXX {$0.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EXPERIENCE BETWEEN CONSUMER AND CREDITOR IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. FACTUAL INFORMATION IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a.

This is Defamation in the Libel.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. The inaccuracy is due to reporting PRIVATE CONSUMER TRANSACTIONS THAT REVEALS THE PRIVATE NATURE OF A TRUST BETWEEN THE CONSUMER AND THE CREDITOR AND VIOLATING 15 USC 1681a The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as XXXX, Equifax, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.