davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Consumer complaint received 2024-01-20
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. (OH)

In accordance with the Fair Credit Reporting act Convergent 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 2023-08-14
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: Experian Information Solutions Inc. (TX)

XXXX XXXX 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 2024-01-20
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. (AR)

I checked my credit report on XX/XX/year> and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and TransUnion along with OTHER 3rd party businesses, or affiliates currently show negative, inaccurate derogatory information reporting from XXXX XXXX XXXX XXXX. The issue is I never had an open revolving visa cash rewards credit card with a balance pending in the amount of {$100.00} or more with a limit of {$5000.00}. I had a XXXX XXXX  XXXX  but that was paid off limit amount {$3500.00}. I have never consulted nor consented for XXXX to sell my name email to any mutual insurance or investors. In addition my mortgage and other personal loans are not being posted accurately by these 3 bureaus from XXXX XXXX  XXXX. There has not been a lag period more than 30 days. Why is XXXX reporting to XXXX after paid and closed $ XXXX but updates highest balance $ XXXX? Just a lot of inaccuracies not doing me any favors. Instead things appear as though they are not in my case late, delayed, or hurting characterized in payments. However I have no delays no deficiencies pending w/any lenders mortgage payments or XXXX XXXX  all in good standing. The current mortgage value is not $ XXXX it's below. And XXXX leads what other lenders are seeing on my report.
Consumer complaint received 2024-01-20
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Credit Management , Inc had me served with a civil summons in regard to 2 credit card debts. One of the credit cards ( through XXXX XXXX XXXX  ) was previously owned by XXXX XXXX at least 6 months prior to MCM acquiring the " debt ''. This debt was settled and paid on my behalf through XXXX XXXX XXXX with my debt consolidation program. XXXX XXXX XXXX through XXXX XXXX  settled this debt for the XXXX XXXX XXXX  credit card, yet Midland Credit Management , Inc is continuing to aggressively pursue collection for an account that has already been settled.
Consumer complaint received 2024-05-03
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)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (MI)

There have been three fraudulent accounts opened using my identity with Uplift , Inc. I have submitted the Uplift , Inc. Identity Theft Submission Form twice now ( XX/XX/2023 and XX/XX/2023 ), and have not received a response from this company. In fact, Uplift , Inc. has sent these accounts to collections as of XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX ) despite me providing all of the information requested to support that these accounts are fraudulent due to identity theft. I have informed XXXX XXXX XXXX XXXX XXXX that these accounts are fraudulent. Uplift , Inc. is operating as a dishonest business that has failed to respond to my requests for these fraudulent accounts to be removed from my identity. The resolution I am requesting is for these accounts to be marked as fraudulent and removed from my identity.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

A few months a dispute was place on inaccurate information stating I was 30 days late and it was corrected that I was not late but the status still reflects that its in a Dispute Status/ Reinvestigation in Progress.
Consumer complaint received 2023-09-04
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$27000.00}
Consumer complaint received 2024-07-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (GA)

On XX/XX/XXXX the company Wakefield sent me notification of a medical collection. I responded with a request for validation on XX/XX/XXXX. As of XX/XX/XXXX I still have not received any written documentation from them at all. However Wakefield has been calling my phone 3 to 4 times a day. These calls are made back to back. I block the number and they call from a different number. This has been going on since XX/XX/XXXX. They have not sent me the requested documentation or anything in the mail since that initial notice. I need written validation before I attempt to communicate with them. They have failed to provide validation.
Consumer complaint received 2024-05-03
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. (UT)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-08-31
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

FCRA XXXX, I think, requires the elimination of any incorrect accounts from my credit report. Could you review the documents? There are some inaccuracies in the listed accounts regarding reporting, including incorrect amounts and dates.
Consumer complaint received 2023-12-30
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$6100.00} XXXX XXXX FIN XXXX Balance XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-03
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)

I am writing to dispute the failure to remove a fraudulent accounts from my credit report. The bank and other bureaus have acknowledged and rectified the issue, yet it persists on your report. This not only violates compliance with the law but also harms my credit integrity. Please remove these immediately. 

XX/XX/XXXX 

XXXX and Equifax have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY CREDIT SYSTEMS INC (PA)

This debt is from a company that I have disputed in the past and they are still trying to collect. They have called me every single day if not every other and left voicemails harassing me to pay the debt back and call them back or further action will be pursued. They somehow got my family members phone numbers and call them telling them that I need to call them. They somehow got my girlfriend 's phone number and call them and told her that I have debt and they need to have me call them as well. Their tactics at XXXX XXXX in XXXX New York seem to be illegal and harassing. Security Credit systems at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX phone number XXXX. They are very threatening and invasive for who they are calling. I don't even understand how they were able to get my brothers and sisters phone numbers and other family members including my girlfriend just to harass me about this debt
Consumer complaint received 2024-01-20
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. (NJ)

I seek to confirm the correct name and mailing address for the registered agent who accepts summonses and complaints. I attempted to contact the customer service agents via XXXX but was either ignored or met with resistance.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-04-19
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: B&F Finance Corp. (TX)

I have texted the representatives that call through personal numbers as well as advised them of financial issues I'm having. I will be making payments as soon as I get back on track. Yet I get at least 2 calls a day Monday- Saturday and text messages. And just today XX/XX/year> a women came to mu home and gave information rudely to my XXXX yr old daughter about them trying to get a hold of me. Let me a voicemail threatening to send a collector to my house.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (DC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

CFPB, question, why are my submissions getting closed upon their initial response? I received XXXX XXXX XXXX  response that has no relevance to my concerns a long with fraudulent reporting made to my credit bureaus. 

XXXX
Consumer complaint received 2023-05-16
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. (CA)

These inquires are fraud and FTC report attached, police report on file and ID attached. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX see FTC report