davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
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. (GA)

RE : XXXX XXXXXXXX XXXX  To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. 1. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. REMOVE THESE ADDRESSES AS THEY ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-09-17
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. (OH)

I HAVE NOT RECIEVED ANY VERFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO SUIT AND COMPLAINTS WITH THE FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
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. (IL)

This account was charged off on the following date ( XXXX, 2023 ) since then the account had repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-13
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. (MI)

Dispute results clearly states '>>> The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX '' -- -- Even with this proof Company has failed to investigate and has incorrectly reported file knowing they have a paper, digital and online copy of this
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/year>. According to the notice, I owe {$1700.00} to XXXX XXXX XXXX XXXX XXXX XXXX However, I am disputing this debt for the following reason ( s ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (TX)

On XX/XX/22 and XX/XX/22 the following companies illegally accessed my credit report by processing inquiries without my knowledge or consent. I have no knowledge of who these companies are. They made numerous inquiries on my credit reports on both days. 

On XX/XX/22 and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have requested proof of validation, method of verification, and proof on conjoined contract for the attached accounts from all 3 credit bureaus on XX/XX/2023, XX/XX/2023, & XX/XX/2023. These statuses are showing Account not disputed. This is inaccurate and negligent in investigation processes. Under the FCRA guidelines, this is a violation. You are allowed 30 days for investigation with was not adhered to 3 times. 
I never received any type of validation, notification of said investigation, or proof of method of verification. 

According to the bureaus reporting, it looks like I never disputed these account. But I have 3 times.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2024-01-24
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)

Under Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, i request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. because this was not me Loan says I am a " co signer '' never signed off on this. 
want to REMOVE myself
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-26
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: Absolute Resolutions Corp. (TX)

I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/2023, I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 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 2024-01-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Unfortunately, a death in my family has caused significant financial hardship, and I have been unable to keep up with my mortgage payments. However, I have been in contact with the bank, and they have agreed to remove the late dates and negative status of this account from my credit report as a goodwill gesture. Please the attachment for the details.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX EMPLOYER - XXXX
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I have a discover credit card for several years, so i for applied to a second discover credit card, got approved for {$6000.00}, of course its XXXX points lost due to hard pool from my credit due to application, screen says that my card will arrive in XXXX business days. So i planned to that approved XXXX K and did some home repairs at my house. Next thing in two weeks discover contacts me and request IRS transcripts and they lie to me by saying it is for identity verification where it is in fact its purely for my income verification. I am on XXXX. So that will not work for me and my income vary each year. I try to negotiate with them to provide 3 months of bank statement for income verification, but they said no. Only IRS. I relied on that XXXX dollars for my home repairs, and now i got XXXX over by some credit card company.
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OH)

Hello. I have reached out to Advantage multiple times. The XXXX most recent were XX/XX/year> and XX/XX/year>. I am continually receiving emails that referencing someone that is NOT me. My email should not be associated with anyone else 's account. 

Aidvantage is attempting to reach my father, yet he is deceased. Specifically today, XX/XX/year>, I called the Aidvantage customer service line. I was initially answered by one person, who transferred me to someone they believed could resolve my issue. This representative 's ID number was XXXX. 

I stated I do not have any of my father 's information. I do not have his SS number or death certificate. I do not even live in the same state as he did. If my information was mentioned in his account, I did not authorize the use of my email. The Aidvantage customer service worker would not transfer me to anyone who had authorization to remove my email from someone else 's account. Said worker did not in anyway attempt to help. I was put on several holds, which I expected as I was waiting for someone to give advice to the worker. At the end of the call, the representative chose to end the call and hang up on me, rather that continue to look for solutions to my issue. In no way, shape, or form should I be receiving emails for someone that IS NOT ME, is DECEASED, nor DID NOT HAVE AUTHORIZATION to use my personal email. I am extremely frustrated with the lack of concern Aidvantage representatives have for their customer 's issues.
Consumer complaint received 2024-01-24
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. (IN)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

I checked my credit ( XXXX report ), and noticed that there was a collection account from AWA for over {$300.00}. I sent a letter to AWA collections requesting information and verification of the debt. My letter was returned to sender unopened from the correct address on file with the Secretary of State. AWA collections refused my letter, and because of this I have no choice but to File a complaint. That is a violation of the FCRA and the FDCPA. I will be forced to take legal action pursuant to 15 USC1692 and 15 USC1681.
Consumer complaint received 2024-03-02
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)

Good evening I am writing to express my deep frustration and disappointment regarding an ongoing issue with a collection entry on my credit report, which has been persistently extended by XXXX XXXX XXXX. 
For the past decade, I have diligently monitored this collections entry, expecting its removal as it reached the end of its reporting period. However, to my dismay, every six months as it approaches the anticipated removal date, XXXX XXXX XXXX extends its duration by another six months. This cycle has persisted for the last two years, leaving me in a state of frustration and financial distress. 
Despite the collection 's tenure of ten years, XXXX XXXX XXXX has continuously thwarted its removal, impeding my ability to achieve financial stability and access favorable credit opportunities. Moreover, despite my efforts to rectify this issue with the credit reporting agencies, all have regrettably refused to remove the collection entry from my report. Its as if they do not have a digital imprint of the date changes. 
This prolonged and unjustified retention of the collections entry on my credit report not only tarnishes my creditworthiness but also undermines my trust in XXXX XXXX XXXX 's commitment to fair and transparent business practices. 
I urge you to promptly investigate this matter and take immediate steps to rectify the situation by ensuring the accurate and timely removal of the collections entry from my credit report. Im not sure I understand why all three reporting agencies seem to not have a digital imprint as to this unjust practice. 
I appreciate your urgent attention to this matter and expect a swift resolution. Please contact me at your earliest convenience to discuss further steps and provide updates on the progress made in resolving this issue. 
Thank you.