davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2021-04-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NM)

IQ Data contacted me ( XXXX XXXX XXXX on XX/XX/21 on a phone call to allow me to settle the debt I had with them which showed on my credit report as {$4600.00} ( IQ DATA stated that the principal was {$2600.00} on an email ) during the phone call they gave me the option to settle the debt for {$2300.00} and they stated that it would show as paid ( settled ) on my credit report and that I would not owe them any other amount. I agreed to the settlement and paid {$2300.00} with my debit card. I received an email stating the settlement, which said that I was released from any further liability regarding obligations to the original Creditor and IQ Data International. The e-mail showed that my due total was {$0.00} On XX/XX/21 I received a charge on my bank account from IQ Data for {$1800.00} I Called IQ Data ( they hung up on me several times before taking my call ). When someone finally took my call they ALREADY knew it was me XXXX XXXX XXXX XXXX without me even saying a word meaning they had my number on file. I spoke with XXXX and asked about the charge of {$1800.00}, XXXX said that I approved the amount of {$1800.00} on XX/XX/21 to " REMOVE '' the debt from my credit report instead of settling. I said that was not true and to refund me that amount because I had an e-mail receipt stating that I had settled the amount and I did not owe them any more money. XXXX refused to give me the refund and said I was lying, I asked for proof from IQ Data that I agreed to pay the {$1800.00}. XXXX said he didn't have to show me proof and hung up on me. As of today XXXX am still disputing the charge with my bank and my credit report still shows a balance owed to IQ Data International for {$2300.00}
Consumer complaint received 2024-05-15
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. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-08-14
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. (AZ)

Dear Transunion I was a XXXX  of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Consumer complaint received 2024-05-15
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-15
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. (GA)

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, XXXX and TransUnion must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXX XXXX XXXX  Balance : {$21000.00}
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AUSSRQ Holdings, LLC (PA)

I do not have any knowledge of this debt or company. I never had an agreement with said company. I have disputed and this continues to come back as accurate without providing me any verification of the debt and where it came from. I have disputed on all credit bureaus with the same response. I have been receiving mail from lawyers stating I am being sued yet I did not receive any notification of this lawsuit nor did I receive verification of this being a debt that I owe. I have reached out and was threatened with further collections and the amount on this collection has increased.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (NY)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the Inquiries below : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I had car insurance with XXXX XXXX. I never renewed my insurance with them and now they have turned over the case to a collection company named Caine and Weiner to collect {$3000.00}. I never received the services and I would appreciate any assistance you can provide me. This is an unlawful charge
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-14
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-05-15
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 hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account on my record, despite my fifth attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution.

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct account : XXXX XXXX Balance : {$74.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-15
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (TX)

This is my second attempt in trying to get this inaccurate information removed from my credit. It was removed in XXXX of 2023 then it was placed back on my credit, which is illegal. Ive never done business with Caine & Weiner and they have yet to prove that Ive signed any documents or went into a legal contract with them. They are reporting an account as open on my credit and it should not be. They are claiming I owe {$430.00}, I requested documentation from Caine & Weiner stating that Ive indeed done business with them and they sent paperwork that didnt have their name anywhere on it. My first complaint was XX/XX/XXXX and they just placed it back on my credit illegally XX/XX/2023. I need this inaccurate mark removed from my credit expeditiously please.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OH)

CAINE & WEINER Reported : XXXX XXXXXXXX XXXX Opened : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account status : Open Type : Derogatory Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXX Name : XXXX XXXX Creditor Information : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have disputed the debt and I'm not knowledgeable enough to know exactly how to go through this process. I really need help please.
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-14
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. (PA)

I am writing to follow up on a dispute I previously raised concerning a negative item on my credit report. Despite multiple attempts to have this matter resolved, the item continues to be inaccurately reported across all three credit bureaus.
Consumer complaint received 2024-06-15
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. (GA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update these accounts as well : XXXX XXXX XXXX-I contacted the company via phone call and they agreed to update the account to reflect open/not late status. Please update your records.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (IL)

credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not been able to receive an updated copy of my XXXX and Transunion credit report via XXXX, XXXX or XXXX XXXX because my XXXX XXXX was changed with out my request or authorization. I am extremely concerned because I am not able to retrieve an updated report to double check its accuracy and this is affecting my chance of receiving a home loan in the near future.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NY)

As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$33000.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This company, XXXX XXXX XXXX, allegedly acting on behalf of XXXX for a debt listed in the amount of {$370.00}, did not notify me of any debt ( s ) owed to XXXX prior to reporting this debt to the credit bureaus. I have no prior knowledge of this debt and was surprised to receive notifications almost simultaneously of a new collection account being added to my consumer reports by this company. I was not provided any opportunity to validate nor dispute this debt prior to it being reported to the credit bureaus by this debt collector as XXXX XXXX XXXX had not contacted me beforehand nor afterwards to inform me of the existence of any such debt in my name. This is a direct violation of my rights as a consumer under the FCRA and the only appropriate remedy is for this account to be immediately removed and blocked from any further reporting on my consumer reports. Failure to immediately remove this account subjects all of the involved offenders, including the credit bureaus allowing it to continue to be reported, to civil monetary restitution damages not less than {$5000.00} per occurrence in accordance with federal law, owed to the consumer, in addition to fines and fees for enabling and permitting the abusive debt collection practices being carried out by XXXX XXXX XXXX.