davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

On XX/XX/2023, I sent FAIR COLLECTIONS & OUTSOURCING the following correspondence via certified mail after they reported on XXXX and XXXX. 
Return receipt was received and signed on XX/XX/2023. I am not aware of this alleged debt and FAIR COLLECTIONS & OUTSOURCING must remove this insertion on my credit report and balance should be XXXX  out. 
RE : FRAUD/AGGRAVATED IDENTITY THEFT - FAIR COLLECTIONS & OUTSOURCING is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( FAIR COLLECTIONS & OUTSOURCING ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( FAIR COLLECTIONS & OUTSOURCING ) have obtained by aggravated identity theft in accordance to 18 U.S.C. 1028A. I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( FAIR COLLECTIONS & OUTSOURCING ) is attempting to collect a debt from I, the consumer. This makes you ( FAIR COLLECTIONS & OUTSOURCING ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FAIR COLLECTIONS & OUTSOURCING into the Federal Trade Commission for aggravated identity fraud and theft. Failure to XXXX  out the balance within 15 days, will result in legal matters being taken and I will report to the Federal Trade Commission for aggravated fraud and identity theft. If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( FAIR COLLECTIONS & OUTSOURCING ) and this letter may be tendered as evidence of failure to comply.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (NJ)

I was contacted by XXXX XXXX XXXX, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX DC XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX MOT XX/XX/XXXX XXXX MOT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AMERICAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LENDING XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AMERICAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AMERICAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX HOLIDAYS XXXX XX/XX/XXXX
Consumer complaint received 2019-07-19
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. (WA)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-06-28
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. (NJ)

I wish to dispute the presence of unauthorized account on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that this account is the results of identity theft. I initiated to contact with the banks associated with this account, and they assured me that it would be removed from their records. 
I am aware that other credit bureaus have already removed this fraudulent account from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the account continue to be reported on my credit report by your bureau. 

XXXX XXXX XXXX.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

My Name is XXXX XXXX XXXX, XXXX My Father was XXXX XXXX XXXX . He passed away XX/XX/XXXX. 
Our company XXXX XXXX , XXXX has a AMEX Platinum Corporate Charge Card since XXXX. I took over as the Primary Responsible party after his passing. 

8 months ago ( XX/XX/XXXX ) AMEX first suspended my AMEX Business Platinum Corporate account stating I was deceased based on a report from XXXX. They have subsequently reinstated it various times. 

AMEX says they are only reacting to XXXX Monthly Electronic Filing that updates them every 30 days. 

AMEX says that the monthly XXXX report shows the FICO Score and other derogatory notes like bankruptcies or in my case a score of 1 that indicates deceased. 

AMEX Told me to request a long form credit report and XXXX gave it to me. I also spoke to specialists at XXXX. According to XXXX, No noticed associations with XXXX XXXX, XXXX or mixed SS # s/DOBs appear on my Credit Report Spoke to XXXX special consulting department again on XX/XX/XXXX who reassured me there is no indicator of me being deceased on my report or associated w/ My deceased Father. 

In the meantime, I view all 3 bureau credit scores on my own that are over 800 and have purchased 2 cars and received a credit card line increase in the same period. 

ONLY AMEX has an issue with my credit report according to what they claim XXXX is sending them- While XXXX states nothing is showing on their end. 

I don't know what else to do to resolve this issue with AMEX. I have consulted all 3 Credit Bureaus multiple times for hours and hours over the phone, received credit reports and noted every item is correct. Until this is resolved, AMEX could suspend my Business Platinum account which would impede the way our business runs as we use this card for several recurring monthly charges and subscriptions. 


If necessary, I can be reached at XXXX. 

Thanks, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-11-14
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-29
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX CARDS XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022
Consumer complaint received 2024-08-04
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
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. ()

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2024, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX, IN XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$41000.00} XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$41000.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-29
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. (NE)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

AccXXXX 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682. I also assert my right to opt out of transaction history per US Code 6801 privacy obligation policy. I am writing to dispute the accuracy of the information on my credit report. Upon reviewing the report, I have noticed several inaccuracies that require your immediate attention.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

Whom It May Concern : I am writing to formally dispute inaccurate personal information that is currently being reported on my consumer file, as provided by your agency. I have recently reviewed my credit report ( Reference Number : XXXX ) and have identified erroneous details which are both incorrect and not a reflection of my personal history. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of XXXX I reached out to Transunion and attempted to dispute several items that were being reported on my credit report inaccurately and many were the result of identity theft. I was told that I would need to submit everything in writing. In XXXX, I submitted the dispute in writing and attached my ID which shows my current address and my social security card. I got no response. In XXXX I submitted ANOTHER DISPUTE and again I attached to the letter of dispute, copies of my identification, social security card, and even my identity theft affidavits. To date there has been NO RESPONSE and NO CHANGE to my credit report. Transunion is intentionally ignoring my letters. They are ignoring the consumer laws that protect me. They are causing me a tremendous amount of stress and anguish, not to mention financial hardship, in not resolving this. The items listed on my credit do not belong to me. There was a XXXX XXXX living at my address who shares the XXXX XXXX as me as well. Transunion is doing nothing to investigate the items and they are not even responding to me. I also requested that they send proof of the investigation results BUT they haven't even done the actual investigation. It's been far too long since I initiated my disputes. They only had 30 days to respond or delete the information disputed and it has been well over 30 days now.
Consumer complaint received 2023-12-29
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (CA)

It appears that my 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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed 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