davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

The investigation was requested to be repeat it due to the fact Clark Associates failure to provide copy of physical proof of the debt. The investigation does have merit and is not frivolous claim that was used as a scare tactic. For example RS Clark Associates responded to the dispute. Secondly the account was placed on my credit report. If there was no merit to this account RS Clark Associate would have never pursued the account.

However RS Clark Associates has presented frivolous claims on my credit report without valid proof when a dispute was requested. If RS Clark Associates is acting on their own behalf or another companys copies of physical proof should be ready and available upon request.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I used Experian to apply for a lease on XX/XX/XXXX. Applying to start electricity with XXXX then required Experian, But my login wasnt working. I tried following online instructions multiple times, but the same error kept happening, blocking me from accessing/changing password. 

I called their service during business hours, but it kept putting me on a loop with an automated service, which only had the option to give me instructions for online restart ( which I had already done above ), or to have instructions mailed! It kept saying that a representative was not available.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
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)

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NV)

Checkr is falsifying records and using false information to defame me as well as XXXX  loss of employment and pain and suffering due to claiming a traffic violation, which was reduced to a parking violation by the traffic court, is an open and pending misdemeanor. There is no misdemeanor on file nor is there any misdemeanor charge pending or past showing on any record from the state of Nevada or XXXX XXXX. Checkr is using a falsified filing to hinder me and attack me personally
Consumer complaint received 2023-05-04
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

I hope this letter reaches you in good health and spirit. The reason for my letter is because of my safe deposit box that I had since XXXX. I been having trouble paying on my mobile app and accessing the box it self. Its hard for me to come in the banking branch and pay because Im XXXX. I also didnt work the whole month of XX/XX/XXXX because of my XXXX were worst at the time my doctor took me out of work. I did go in the branch on XXXX and I was given a hard time with no help at all after I explained not having access to my safe deposit box because of the bank and how I didnt work XX/XX/XXXX because of my XXXX. Can you please help me with waiving the {$65.00} safety deposit box fee? Thank you very much for your time and understanding. Please give me a call.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (MD)

During the XXXX XXXX I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and XXXX Mail to XXXX, XXXX, and EQUIFAX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$350.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX. Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (OR)

Dear XXXX I have submitted to the XXXX a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( contacted fraud dept XX/XX/XXXX XXXX as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent XXXX letters asking for a correction to my credit report and have received no response. 
This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so.

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last XXXX  months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past XXXX  months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination. 

If I do not receive a response in the next XXXX XXXX hours, I will file a formal FTC complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
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. (SC)

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2024-06-03
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. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to follow up on my previous dispute regarding a negative item that continues to appear on my credit report. Despite my explicit statement that this item is unverified and incorrect, it persists on my report, which is deeply concerning.
Consumer complaint received 2024-06-03
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. (TX)

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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: National Consumer Telecom & Utilities Exchange, Inc. (PA)

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with XXXX XXXX credit reporting.

I have evidence to prove my case!
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THOSE ACCOUNTS ARE NOT MINE ; I AM A VICTIM OF IDENTITY THEFT Fraudulent Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$640.00} Company or Organization : XXXX XXXX XXXX Date fraud beganXXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$650.00}
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC (DE)

McNeil & Meyers XXXX XXXX XXXX XXXX This is not my account. I have been back and forth with this collection agency and all XXXX credit bureaus. All three bureaus said over the phone and online that the account has been verified. I received a copy of a contract that had another address on it so they blacked it out with a marker, it shows a electronic signature that isn't my original signature. This account does not belong to me. this is not validating anything and the XXXX bureaus had no right to put this on my credit without my written consent. I have bee requesting for months that this account be removed immediately. I told them I know my rights and I would have to take actions to file a complaint.