davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (NC)

Basically everything in XXXX is wrong I keep trying to explain my identity was stolen and those charges aren't mine if you look at the issue date of my NC license it's for XX/XX/XXXX as an update and original for XXXX I'm just trying to fix these issues because it's stopping me from moving. And XXXX. Tx has an XXXX bill for life at XXXX XXXX but I moved from that complex before they got new owners and named it that they have cameras they will not see me on them as living there
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. (CA)

This account was closed on the following date : ( XXXX ). Since then, the account still current. This is an updated in the 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. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Consumer complaint received 2024-04-15
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. (MD)

I submitted letters to XXXX, XXXX, and Experian ( XX/XX/2024 ) asking them to verify the accounts that I listed belonged to me. I have yet to receive a response. They are not complying with their policies by responding within the required timeframe. I have been a victim of identity theft and I am exhausted trying to repair the damage that has been done. I am tired of being denied credit. Please help me.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

On XX/XX/2023, in Case Reference # XXXX ( See attached Supporting Document # XXXX ), I submitted notice to LexisNexis of XXXX XXXX XXXX routine accessing of my LexisNexis Consumer Report. My notice to LexisNexis included my Notice to XXXX XXXX XXXX of Revocation of Authorization and Notice to Cease Access of XXXX XXXX LexisNexis Consumer Report. This notice was made in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to control access to their credit and consumer information. Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number : XXXX, Case Number : XXXX, I discovered two additional inquiries from XXXX XXXX XXXX that I did NOT initiate, authorize, or consent to. The release of my LexisNexis Consumer Report without my authorization or consent is a very serious violation of the federal Fair Credit Reporting Act ( FCRA ). This action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ). On XX/XX/2023, I submitted via USPS certified mail, a SECOND Notice to XXXX XXXX XXXX to Cease Access of XXXX XXXX LexisNexis Consumer Report, SECOND Notice of Revocation of any Prior Authorization to Access XXXX XXXX LexisNexis Consumer Report ( See attached Supporting Document # XXXX ). Having been duly provided with my Notice to XXXX XXXX XXXX of Revocation of Authorization and Notice to Cease Access of XXXX XXXX LexisNexis Consumer Report on XX/XX/2023, and my SECOND Notice to XXXX XXXX XXXX to Cease Access of XXXX XXXX LexisNexis Consumer Disclosure Report, SECOND Notice of Revocation of any Prior Authorization to Access XXXX XXXX LexisNexis Consumer Disclosure Report on XX/XX/2023, LexisNexis ' continued failure to comply may result in legal action against XXXX XXXX XXXX and LexisNexis. I expect LexisNexis to take this matter seriously and act promptly to ensure that my consumer information is no longer accessible to XXXX XXXX XXXX or any other entity without my authorization or consent.
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. (LA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-04-15
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. (TX)

the credit agency EXPERIAN NEVR provided the documnts from the furnisher they also provided an ILLEGAL paper stating they did contact the furnisher and i did not have to be provieded with the documents that states i gave EACH furnisher consent to report the accounts or unauthorized inquiries
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. (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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-05-09
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)

I have sent letters and also filed ftc reports to XXXX, XXXX, and transunion. I also have been calling to try to get fraud accounts resolved. No help at all. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' I have fruadulent accounts that needs to be removed immediately such as .... 

XXXX  XXXX XXXX- {$530.00} - XX/XX/year> XXXX XXXX- {$340.00} - XX/XX/year> XXXX  XXXX XXXX - {$500.00} - XX/XX/year> XXXX XXXX- {$6000.00} - XX/XX/year> XXXX XXXXXXXX - XXXX XXXX- {$520.00} - XX/XX/year>
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MO)

I had a flag show up on my credit report, I called the company immediately asking them about the XXXX repeated marks on my credit report totaling {$8000.00} I asked for a written verification of debt. I gave them my correct mailing address since then I have received no follow up my credit report shows a XXXX point mark and they will not respond to texts, or email, and its been over a month since I requested they furnish proof. The only option on their phone menu is to pay the debt and I have not gotten anyone respond to me at all. I do not believe the stuff is mine I of it theyve given me absolutely nothing. And they threatened to sue me over the phone during the first phone cal when I actually got through
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

Last year I discovered a fraudulent account on my credit report from Credence Resource Management originating from XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and this account was created without my knowledge. The account was created in XX/XX/XXXX ( XXXX account # XXXX ). I found the account in XX/XX/XXXX and began disputing it. On XX/XX/XXXX I filled an identity theft report with the FTC ( FTC report # XXXX ) and filled out XXXX XXXX XXXX XXXX XXXX XXXX identity theft form ( incident # XXXX ). 


The account was removed from my credit report and I thought the matter was resolved. 


On XX/XX/XXXX the account reappeared on my credit report. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX at the number I was given ( XXXX ) many times but I only got a busy signal, not even a voicemail. I have no other way to contact them.
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. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT XXXX XXXX ARE REPORTING ON MY XXXX, XXXX & TRANSUNION CONSUMER REPORTS XXXX XXXX XXXX STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH XXXX XXXX BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. XXXX XXXX CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY XXXX XXXX ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO METRO COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, XXXX, AND TRANSUNION CONSUMER REPORTS IMMEDIATELY. SINCERELY, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I would like to dispute the following accounts on my credit eport. 

Equifax : XXXX  XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (CA)

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-04-16
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2023 I received a text alert from Comenity Bank indicating that my Kay Jeweler 's account had a purchase attempt in the amount of {$7700.00}. A few days later, it was discovered to be a fraudulent attempt of an out of state purchase at an outlet store that was declined. I requested further action to be pursued as this is an attempt at Grand Larceny. I have heard nothing since of such resolution. Shortly thereafter, I noticed a Hard Inquiry on my credit profile for a credit line increase from Comenity Bank. I attempted to dispute this thru the credit bureau, with no luck. I disputed this thru Comenity Bank and was informed that it was I who indeed made the request for a credit line increase on XX/XX/2023. This is absolutely not true, and correlates to the date of the fraudulent purchase attempt. I tried to explain this to 3 different representatives on the phone today. Nobody would assist me. I demanded my account be closed. It is still open. This company is irresponsible with my credit and security.
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute the collection account listed on my credit report under XXXX XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account, which is indicated as XXXX XXXX. 

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, which is reported as {$3900.00}. I am also requesting a detailed breakdown of how this amount was calculated. It is imperative to note that this request is solely for validation of the AMOUNT of the alleged debt, as stipulated by 15 USC 1692g ( a ) ( 1 ).

In addition to the aforementioned, I draw your attention to the provisions outlined in 15 USC 1681b, 15 USC 1666b, and 12 CFR 1006.34 ( c ) ( 4 ) ( I ), as well as 15 USC 1692 ( c ), ( d ), and ( e ), which govern the fair and accurate reporting of consumer information, including debt obligations. 

As per the Fair Credit Reporting Act, I am exercising my right to dispute this account and request that it be thoroughly investigated. I expect a prompt response to this dispute within 30 days, as mandated by law.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX XXXX  acct number XXXX, XXXX XXXX XXXX XXXX acct number XXXX, XXXXXXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX via XXXX XXXX acct number XXXX has violate my rights. 

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

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account with my written consent.

15 U.S.C 1681 i ( a ) ensures me that everything being reported should 100 % accurate
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX 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 2023-12-15
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. (NJ)

I am demanding the proper contact info for the legal agent who accepts summonses on behalf of XXXX XXXX XXXX. I will be filing a suit against XXXX XXXX XXXX for willful and negligent violation of the FCRA.
Consumer complaint received 2024-07-17
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. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.