davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC (OH)

This company calls via autodialers from spoofed phone numbers and unregistered phone numbers. They leave aggressive voice-mail. A " XXXX '' told me today she was sending over legal documentation to my employer to shame me into paying them a debt that they said they do not own but another company that allegedly does from what they have accessed on my credit report. They provided me with all my personal information and said they are not obligated to send me anything claiming to have sent dent validation through text message, email and postal mail. After I informed them I never received Debt Validation from them via postal mail they said they actually don't do that but can send me an email with a link for an account they created in my name for me to pay them rather than the debt collector on my credit report that they arent associated with. They threatened to then sue me and my employer and ruin my credit ; continously refused to confirm they were going to send postal mail debt validation and that they would keep harassing me until I pay up because they ran my credit and can see " the other debts you have and we got you nailed down ''. They also did not start the call off with notice that they are a debt collector and they were the ones that provided me with my personal information including reading off to me my social security number. They did claim they bought the information but that they arent the debt collector on it, but that I can just pay them and they will make sure it goes to who needs it, etc.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

What happened? 

I filed a civil suit against XXXX XXXX XXXX XXXX XXXX  XXXX in the Justice of the Peace, XXXX XXXX, Place XXXX in XXXX XXXX, Texas, regarding various issues experienced at their apartment complex. The issues included failure to provide essential utilities, neglect of noise complaints, creation of unsafe and uninhabitable living conditions, and improper renter 's insurance fees without disclosure. My case number is XXXX. 

On XX/XX/XXXX, during the court proceedings, I was informed that the matter would not go on my record and that the opposing party was not seeking further action against me. Despite this assurance, I have recently started receiving collection notices related to the disputed debt. The collection attempts contradict the court 's decision and have caused undue stress and confusion. 

Important Dates : XX/XX/XXXX : Filed the original civil suit. 
XX/XX/XXXX : Informed in court that the matter would not go on my record and no further action would be taken. 
XX/XX/XXXX : Received a collection notice from Sentry Credit , Inc., stating that the account has been referred for collection with a total balance of {$2700.00}. 
The actions taken so far include : Filing the original civil suit on XX/XX/XXXX. 
Attending court proceedings on XX/XX/XXXX, and receiving the assurance that the matter would not go on my record and no further action would be sought. 
Filing an appeal to ensure my rights and the court 's decision are upheld. 
Receiving unexpected collection notices starting on XX/XX/XXXX.
Consumer complaint received 2024-08-13
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. (WI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-19
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 — Investigation took more than 30 days
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
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. (NJ)

XX/XX/year> i sent a letter to the credit bureaus they stated that these accounts are verified but how can they verify an account if they never did a fair investigation according to the 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2024-05-09
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. (CA)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-01-05
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. (NV)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (TX)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Consumer complaint received 2024-05-09
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. ()

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.this account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Iam asking you to verify as accurate account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (UT)

I called XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/2023. I had requested they provide me with proof the accounts alleged belong to me. It's now been over 30 days and I have received no response from either company. As I told XXXX XXXX and XXXX XXXX XXXX XXXX these accounts DO NOT Belong to me. I would like these removed from my report immediately!
Consumer complaint received 2024-05-09
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX  XX/XX/year>
Consumer complaint received 2024-01-05
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. (TN)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-09
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. (IL)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

I've been trying to get Chime to unsuspend my account for weeks, they said my social security was not the same as on the IRS, I had atleast XXXX dollars in my savings that I can not access, I sent them the W-9 Form and my valid ID like they asked and still nothing!
Consumer complaint received 2024-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (FL)

i did all my paperwork for loan modification and sent it at the day that Selene Financial put as time line, and them i received days later a preforeclosure letter i am so sad because before of this i have a letter related to a trial but they did not given me the opportunity to do this, now i have my primary house of my family in pre foreclosure need help XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NJ)

Exeter Finance and XXXXXXXX XXXX, along with credit reporting agencies such as XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974.

Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXXXXXX XXXX and Exeter Finance whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from XXXX and Exeter Finance, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
Consumer complaint received 2024-01-05
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize. 


According to 15 USC 1681- it is defamation to my character and livelihood.
Consumer complaint received 2024-05-09
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. (AR)

Despite my previous efforts to rectify this issue, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. 

These inaccuracies are causing significant distress and may adversely affect my financial well-being. It is imperative that you take immediate action to remove these fraudulent accounts from my credit report in accordance with FCRA guidelines. 

I request that you provide confirmation of the removal of these fraudulent accounts once the necessary steps have been taken. Failure to comply with FCRA regulations may result in further action being taken to protect my rights under the law. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 2024-01-05
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. (CO)

I have reviewed Account Number XXXX, managed by XXXX XXXX  on my Consumer Report with Experian. My findings have determined that there are definitive violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ). These violations are as follows : 1. **Inaccurate Date of Account Opening ( Definite Violation of FCRA 1681s-2 ( a ) ) : ** The account opening date is listed as XX/XX/XXXX. This is factually incorrect, violating FCRA 1681s-2 ( a ), which requires furnishers of information to report accurate data. Inaccurate opening dates directly affect credit scoring and the duration of the account 's appearance on the credit report. 

2. **Missing Original Balance ( Clear Violation of FCRA 1681s-2 ( a ) ) : ** The report fails to display the 'Original balance '. This omission contravenes FCRA 1681s-2 ( a ), which mandates the reporting of complete and accurate information. The absence of such crucial data misrepresents the debt 's nature and extent. 

3. **Unlawful Debt Re-aging ( Violation of FCRA 1681c ) : ** The 'Date opened ' and the record until XX/XX/XXXX suggest an illegal re-aging of the debt. This practice, which alters the date to make the debt appear newer, breaches FCRA 1681c that governs the permissible reporting periods for negative information.

4. **Misleading Payment History ( Violation of FCRA 1681e ( b ) ) : ** The payment history, marked inconsistently with 'C ' ( Collection ) and 'ND ' ( No Data ), is misleading. This violates FCRA 1681e ( b ), requiring credit reporting agencies to maintain accurate and clear information. Such irregularities in reporting can lead to misinterpretation of the account status. 

These factual violations not only infringe on the FCRA 's guidelines for accurate and fair reporting but also misrepresent the consumer 's financial standing. The consumer is entitled to dispute these inaccuracies, demanding an immediate investigation and rectification, including the correction or removal of any incorrect information. Persisting inaccuracies, despite these disputes, could lead to legal repercussions against the responsible reporting entities.
Consumer complaint received 2024-01-05
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.