davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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. (FL)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (KS)

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, 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 Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXXBalance : {$17000.00} ; XXXX XXXXXXXXBalance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$620.00}.
Consumer complaint received 2024-09-21
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. XXXX  of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX Equifax Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has Violated my rights according to 15 U.S.C 1681 section XXXX A States i have the right to privacy 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following XXXX Original Contract with my Signature on it XXXX information ( Name, Address and Phone Number of Original Merchant XXXX Payment History and Itemized Billing Associated with Each Account XXXX Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report.Thanks
Consumer complaint received 2024-09-23
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-26
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)

I'm writing to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (MO)

i had a collection for {$860.00} for my Chasee Freedom ( jpmcb ) credit card that went to collections and it was charged off and went to my credit. in XXXX  i got a settlement offer via mail that i can settle it for less the balance for {$87.00}. so i accepted the offer and at the time i was in the process of repairing my credit with a reputable company called XXXX. My advisor from that company then told me to go ahead a accept the offer but at the same time write them a letter saying i would pay in exchange of deletion of my credit basically a pay to delete. the letter also said if they dont agree to the terms of deleting it from my credit for them not to cash my payment which was a money order. and if they did cash it they are agreeing to delete it from my credit. so in XX/XX/2020 i settled it and sent my letter certified. later my credit file was updated paid but the item wasn't removed. i then contacted Chase to see why was it still on my credit for them to inform me that they dont delete from credit and it had to stay on for 7 years. i argued with this company for almost 2 years now from the supervisors, managers and the credit dept and they all refused to delete and it didnt matter that they took my money after i asked not to if they weren't. i've also disputed with the bureaus and this is hindering me from a lot of things im trying to accomplish. i was mislead by them accepting my payment but not per my terms. im just trying to move on in my life and they are stopping me,
Consumer complaint received 2024-09-22
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. (TX)

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX XXXX XXXX XXXX XXXX  have violated all ABOVE laws
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

.On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section XXXX they must remove evrything that is not verified from my credit and i am a victim of equifax data breach. on XXXX XX/XX/year> i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section XXXX I surely was a victim of the XXXX date breach
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I started receiving calls from XXXX XXXX XXXX  few months back [ around XXXX 2021 ]. Initially i thought it was a span call so avoided it. But around some point later when i spoke to they they told me i have a credit card debt for around {$1800.00}. They also added i had multiple purchase from XXXX XXXX. I explained i never opened an account with that bank. Matter of fact never heard of that bank before. Now they sold the debt to Midland Credit Management and they send me a legal notice. I am working with them and they asked me to open a fraud report in FTC and send it to them so that they can take the process further. 

Note : One of the bank representative told me when i had a legal purchase from my debit card in XXXXXXXX XXXX  in XXXX, Texas location they might have enroll me in an their credit card program from XXXX XXXX Bank and send to my then legal address. And someone might have stolen and activate the card.
Consumer complaint received 2024-07-23
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. (WA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
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. (FL)

Account name : XXXX  XXXX Account Number : XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

It has come to my attention that XXXX XXXX has been illegally reporting my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these docum
ents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal Law. If you are unable to provide the signed agreements please delete this account off of my credit profile.
Consumer complaint received 2024-09-22
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. (NY)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-07-23
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. (TX)

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached : What would be a fair resolution to this issue? 
Update the account to paid on time and never late or remove it from my consumer report.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX  Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( same exact account as XXXX account Those accounts are fraudulent and I provided government document to prove my incarceration during these accounts being opened, I also spoke with TransUnion on XXXX and they acknowledged receiving my FTC report but never removed any accounts. 
I also have a bunch of new inquiries that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX