davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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)

I hope this compliant finds you well. I am filing a compliant to express my concern regarding my XXXX credit card account and the manner in which you have handled the reporting of my XXXX credit card debt to the credit bureaus. 

Recently, I have successfully completed a debt settlement program1099C form, which led to the discharge of a significant portion of my credit card debt with XXXX. I understand that the discharge of debt is a legal process, and I appreciate that XXXX has acknowledged and accepted the discharge. 

However, I have noticed that despite the discharge of my debt, XXXX has not updated this information with the credit bureaus. This omission has a direct impact on my credit score and financial standing. It is crucial that accurate and up-to-date information is reported to the credit bureaus, as it plays a significant role in determining creditworthiness and financial stability. 

I kindly request that XXXX takes the necessary steps to update the credit bureaus regarding the XXXX debt. This will allow me to rebuild my credit and demonstrate my commitment to fulfilling financial obligations. I believe it is in XXXX 's best interest to accurately report this information to the credit bureaus, as it reflects positively on your company 's commitment to responsible lending practices.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (FL)

I sent letters out certified over 60 days ago and have not been notified and as a consumer i feel like these people taken advantage of normal people like me.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc (NC)

XX/XX/year> is the last request made for this account to verify the amount that they are attempting to collect. This has been disputed with the credit bureaus as well as the XXXX XXXX collection company. 

The credit limit is {$300.00} the balance shows {$220.00} however the XXXX are sending a request for XXXX
Consumer complaint received 2024-05-11
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. (TN)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (AZ)

I disputed a collection account posted to my XXXX credit report XX/XX/2023, by Phoenix Financial Services LLC ( Acct XXXX XXXX ). 

I received notice by mail from Phoenix Financial Services on XX/XX/2023, claiming I allegedly owed Phoenix Financial company {$1800.00}. 

XX/XX/2023, I sent certified Validation Request to Phoenix Financial Services. Phoenix Financial Services received my certified letter XX/XX/2023. I explicitly instructed Phoenix Financial that I was disputing this claim and they were not to report this account as a collection account while this dispute was pending. 

XX/XX/2023, I reviewed my credit report and found that Phoenix financial had gone ahead and reported this disputed account as a collection account to my XXXX credit report. 

XX/XX/2023, I sent second certified Notice XXXX FDCPA Violation to Phoenix Financial Services LLC. Phoenix Financial Services received this letter on XX/XX/2023. This letter informed them that they had violated the Fair Debt Collection Practices Act by failing to respond to my Validation Request and by posting this disputed collection account to my credit report. I further instructed them to remove this collection account from my credit report and discontinue all collection efforts. 

As of this writing, XX/XX/2023, this account is still showing on my credit report as of collection account and I have received NO to written response from Phoenix financial and feel they are now in violation of FDCPA. 

I am requesting assistance from FCPB to help clear this from my credit file and file formal complaints against Phoenix Financial Services. 

Please note, I have taken steps to secure legal representation for the purpose of pursuing damages for what I consider a blatant misuse of our credit reporting system and violation for the FDCPA. 

Best Regards
Consumer complaint received 2024-05-11
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. (CA)

Upon examining my credit report, I identified inaccuracies in certain pieces of information. Both XXXX and TransUnion credit bureaus are required to authenticate these accounts according to the guidelines outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). They are not permitted to label these reported accounts as unverified without furnishing evidence within the legally stipulated timeframe. The specified accounts necessitate scrutiny and rectification for their erroneous inclusion in my credit file, as detailed in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of human trafficking debt bondage, which is categorised under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (TX)

I looked at my credit report on XX/XX/year> and noticed something is incomplete and inaccurate According to the. Fair Credit Report Act. A consumer reporting agency reasonably procedures these accounts whenever it prepares a consumer. 
please reinvestigate again the flowing account reporting experience. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/year>. One on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXX bank transaction list.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These 2 items need to be removed 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 2024-02-26
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: EQUIFAX, INC. (NY)

I am a victim of Identity theft. I have been a victim since XXXX XXXX. The person has been using my name. I am calling them letting them know that I didn't apply for the credit card account multiple times and nothing was done. I've tried disputing it with all three credit bureau 's. Without letting me know any updates they did nothing. In addition to that XXXX  XXXX XXXX is sending mail to addresses I have never been associated with in my life regarding the fraud investigation. An address that was used to fraudulently open accounts and credit cards in my name. I spoke to XXXX ID # XXXX. I also spoke to XXXX ID # XXXX they were no help to me at all. They not only disclosed my information to strangers, but they also spoke to credit bureau 's and other third parties about my information whom i did not authorized to disclose to XXXX  XXXX. Can you please help me out I am in debt due to a third party using my name, and XXXX XXXX XXXX failing to properly verify things.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Consumer complaint received 2021-04-01
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. (GA)

XXXX, XXXX, and Experian are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with XXXX  yet they are reporting.
Consumer complaint received 2024-05-10
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This morning, I noticed unauthorized inquiries on my credit report, and I have no idea how they got there. Everything was normal when I last checked, but now there are discrepancies that appeared unexpectedly. I tried refreshing my browser, hoping it was a mistake, but the inquiries are still there. I'm requesting a detailed examination of the documents I provided so that I can put this issue behind me once and for all.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (MI)

XX/XX/24 {$2800.00} I urge your team to conduct a thorough investigation into this matter promptly. I expect that necessary steps will be taken to and strengthen the security measures to prevent such incidents in the future.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have been having issues getting my credit report from Transunion. It will not allow me to get it online and when I asked to have it mailed I do not receive it.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (LA)

I received a debt collection notice from National Credit Systems , Inc in XX/XX/XXXX stating I owed a debt of {$1500.00} from XXXX XXXX for XX/XX/XXXX unpaid rent. I provided proof of rent payment to National Credit Systems , Inc. and received a response letter that they could not verify my claim of payment. I provided an email payment confirmation and bank statement showing payment, which is ample evidence of payment. When
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

I already pay this collection amount to XXXX IN XXXX XXXX. 
XXXX XXXX NOW REPORTED IT AS OWN IN MY CREDIT REPORT THAT I OWED THE MONEY XXXX XXXX  SENT IT TO THEM.. 
Here are the attached copy of the collection paid in XXXX and Jefferson Capital with JCS number XXXX reporting it as owed but later delected it on their website but still on my credit report as owed..
Consumer complaint received 2024-07-09
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX has falsely reported two on-time payments as late. 
In XX/XX/XXXX the account was part of a XXXX forbearance loan modification that required XXXX trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.