davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (OH)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-27
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. (FL)

I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to providethis or any copies of documentation verifying this account, yet they have been willing to putthis unverifiable debt on my credit report.
Consumer complaint received 2023-08-03
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX EXPERIAN Listed below are the Inquiries that are being challenged INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXX IncorrectPersonalEmployers XXXX XXXX - IncorrectPersonalEmployers XXXX XXXXXXXX XXXX XXXX IncorrectPersonalCurrent addresses XXXX XXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXXXXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXX XXXX - Incorrect
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/ which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it
Consumer complaint received 2024-07-25
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-14
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. (SC)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE PDF DOCUMENT ALONG THAT IS ATTACHED THE PERSONAL INFORMATION. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-04
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (FL)

On XXXX an erroneous collection account from Consumer Adjustment Co for {$2200.00} was placed on my credit report. Consumer Adjustment Company placed a collection on my credit report without ever contacting me first to validate or resolve. This company violated the Fair credit reporting act. I have never received a letter of validation to dispute from this company. No phone calls, or email to dispute. I was not giving 30 days. I do not owe this debt. This needs to be removed from my credit report. Researching this company shows that they are notorious for placing false collections on other people 's credit profiles. This false collection from this company is damaging my credit and I request that it be removed immediately. I do not have a contract with them. I have never signed any form of agreement with them. And have never even been contacted by this company. This is a violation of my rights under the Fair Credit Reporting Act and I request this be removed immediately. When I called the number on their website, XXXX, the first time, I was unable to complete their requests to initiate IdentityIQ, as I was driving. The gentleman on the phone said he would call me back. The call did come from XXXX which appears to be directly from Consumer Adjustment Company Inc. I did not answer because I was expecting the XXXX number. However, when I called back when I got out of the car, the call seemed to go to a holding company that holds collection debt from a variety of collection organizations and they were unable to help me without me providing them with a credit card to obtain my credit report to " confirm '' what I was requesting. As a matter of fact, the gentleman on the phone asked me who the collection company was. When I told him Consumer Adjustment Company he said he had never heard of them. I am requesting that this invalid collection account credit line be removed from all credit reporting agencies.
Consumer complaint received 2023-12-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (FL)

Again another company that clearly does not know how billing works. The VA pays every single one of my medical bills. Every single one. This should have been paid on time by the VA. I should not be receiving this bill because of poor communication between the original medical provider and the XXXX XXXX. 

I do not know how many times this has to happen to me. I provide XXXX  XXXX Veteran card. Provider bills the VA. Its not rocket surgery. 

The new collection agency Capio. Harasses me every single day trying to collect a debt from XXXX. Calling at all hours of the night. Text messaging. Its clear as day that it is harassment. That should have been paid already. Or that was not paid due to the original holder of the debt failing to contact the VA billing department. 

Stop having aggressive methods of collecting a debt THAT YOU PURCHASED FROM ANOTHER COMPANY. I dont owe you anything. Shouldnt have owed the original medical provider anything either. Not my fault the billing department of the original provider is uneducated.
Consumer complaint received 2024-06-04
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. (PA)

I sent this to Equifax within the last XXXX weeks. Apparently they lost and mishandled my personal sensitive information or they intentionally discarded it to stall the accurate reporting of my credit report. Whether by incompetence or deceitful practices please don't lose it again. This should be the simple part, not the time wasting, stall tactics being implemented here. You have now sent me XXXX request for this information, and I granted your request after your first letter. I can look through my records if I have to but I sent this around the XXXX or XXXX of XXXX of XXXX. I have now received notice XXXX and XXXX for the same info, they both came today XX/XX/XXXX, post dated XX/XX/XXXX and XX/XX/XXXX. I usually give benefit of the doubt, but from my recent dealing with the credit agencies, this is unacceptable and it's clear from conversing with their agents and " specialist '' that they are ok with reporting and maintaining inaccurate information on my credit report and giving me the run around in fixing them.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (SC)

XX/XX/2023 I was made aware out the blue with no previous effort to contact me that I had a bill in collections for the amount of XXXX $ due to XXXX XXXX XXXX. This was a debt sold by XXXX XXXX XXXX located in XXXXXXXX XXXX which I had a payment plan set up with and made a couple payments this year. No one contacted me and made me aware of what was going on or gave me the opportunity to resolve it. I received a call from someone telling me they were in collections and I needed to give them my card information and pay immediately XXXX XXXX dollars or it will be put on my credit.. I never used my credit to get this land. It was a gift that came with XXXX fees that I inherited by default. This company XXXX XXXX has been sold, bankrupt, and In court for years. So to sale a debt I had a payment plan on without making me aware seems very unethical and I dont understand it at all
Consumer complaint received 2024-06-04
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 formally contest the inclusion of a fraudulent account in my Equifax credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Equifax report. After uncovering this fraudulent account, I contacted the relevant company, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. I am puzzled as to why Equifax continues to report this fraudulent account, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-04
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} - XX/XX/year>
Consumer complaint received 2024-06-04
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Transunion : 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, has violated my rights. 

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. 

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Elevate Recoveries, LLC (TX)

First, let me state that I have never received letters from Elevate Recovery stating that there is supposed debt. I have only received phone calls on my cell phone. 

On XXXX XXXX XXXX XXXX XXXX XXXX - I received a phone call from XXXX. I did not answer. 

On XXXX XXXX XXXX XXXX XXXX XXXX- Elevate Debt Recovery called again from XXXX. I did not answer. 

On XXXX XXXX XXXX XXXX XXXX XXXX - Elevate called again. I verified with the unnamed associate my information. He began rattling off the debts. I cut him off short to inform that I did not have the time talk to him. I got snappy with him & cursed to prove my point. He then said, " If I didn't have them time- I shouldn't have picked up the phone. '' That statement is unacceptable by a customer service associate no matter what trade they are in. The XXXX area code is from my hometown, how do I know if it's my elderly parents calling in an emergency if i don't answer? Of course, I'm going to pick up the phone. 
I finished what i was doing & called back XXXX. I could not get the name of the person that answered the phone because she said it so quickly. I think this is done to confuse any possible reporting of the company 's rudeness. I told the women the situation & told her i would like to fill a complaint. The women mentioned that letters were sent to me of the debt they are trying to collect. Turns out they have been sending the letters to the wrong address. I updated their address with the associate. She hung up on me when she heard complaint towards the end. 
I called back, call was picked up by a man, I asked for a manger & was immediately hung up on. Wasting more of my time. 
I called again. I again asked for a manager. The women who answered said she was a floor manager. She also said her name quick enough for me not to catch it. I told the manager what had occurred earlier & she got snappy over it as well. Her response to the comment " If I didn't have them time- I shouldn't have picked up the phone. '' from the associate was not acceptable either from my understanding, she 100 % backed her associate 's comment & rudeness. 

I will be mailing a certified cease & desist letter to this company to prevent any further contact from them because of the horrible customer service & rudeness. This letter will be mailed today XXXX
Consumer complaint received 2024-06-05
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

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.