davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-06
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-06
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. (GA)

All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX This account is listed erroneously.
Consumer complaint received 2024-05-13
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. (FL)

The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE SYSTEM ALSO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar sent a property inspector by my home. This has happen several times but on XX/XX/2017 I was home. The gentleman drove up in the driveway after taking pictures of the house. I told him I was the owner and he stated he was doing a property inspection. I invited him in and he refused. As he backed out of the drive way he made several XXXX remarks toward me. He drove around the corner and came back trying to agitate me. I contacted the police department and my attorney. A report was taken for the harassment.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX  XXXX
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2021.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (TX)

Student loans are not the only loans that I got. That is why I would like to talk to someone at EDFinancial, but no one answers my phone calls or chats. Also, they do not have any email addresses to write to. I need another flexible payment plan to be offered to me. I would like to talk to someone from EDFinancial.
Consumer complaint received 2024-06-14
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. (MI)

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 Account NumberXXXX has violated my rights. Or a 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. To facilitate verification of my identity and address, I included the following documents : a copy of my photo ID, a copy of my social security card, and a recent utility bill displaying my current address Despite providing all necessary documentation, I received a response from TransUnion dated XX/XX/2024, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response is entirely unfounded. I, as the consumer, sent the dispute directly to TransUnion and provided all necessary identification to verify my identity. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. By refusing to investigate my dispute, TransUnion is in blatant violation of the FCRA. 

According to the FCRA, TransUnion is legally required to conduct a reasonable investigation of disputed information upon receipt of a dispute from a consumer. By neglecting to perform this investigation, TransUnion has not only violated my consumer rights but also failed to fulfill its statutory obligations.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. XXXX XXXX XXXX Date Opened : XXXX. XXXX, 2018 Balance : {$14000.00}. Please delete.
Consumer complaint received 2024-05-06
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. (TX)

XXXX XXXX is reporting a promissory note to our credit history as XXXX, XXXX, XXXX, and soon 120 days late. The XXXX on the promissory note includes access to the XXXX XXXX XXXX XXXX, and we should have received XXXX expo points to book reservations and access various vacation-related discounts. In addition to this, we were told that the promissory note would not get reported to our credit history. We were ready to walk out until this was verbally confirmed by the sales rep, XXXX XXXX, and XXXX XXXX, who presented the timeshare agreement. There is also a note on the original credit form that they refuse to provide us with a copy. The first problem is that they reported the debt to Experian as a timeshare loan. Secondly, my wife and I have not been able to use the XXXX Expo points we paid for. So far, we have paid XXXX dollars, between the down payment of {$2100.00}, XXXX payment of {$300.00}, and XXXX monthly payments of {$330.00}. Our attorney notified XXXX XXXX that my wife and I could not book reservations, among other discrepancies of this ordeal, in XX/XX/2023. XXXX XXXX has ignored this and other issues but has continued to report that debt to Experian. And now, reporting it as late has dramatically affected our credit history. We have not received what we paid for, and they should not be entitled to our {$4100.00}, which should be removed from our credit history immediately. To date, we have had no benefits from the XXXX XXXX purchase.
Consumer complaint received 2024-06-27
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. (NY)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX XXXX
Consumer complaint received 2024-06-04
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. (AL)

On XX/XX/year> I requested information from this company on who they are. I was told on the phone there was no file with my name on it and the gentleman on the phone said that it probably was an accident. On XX/XX/XXXX I filed a report for unauthorized activity on my credit report. I asked it be removed due to the 15 USC CODE 1681 I was required to get a fair check on this and wasnt this dispute has been pending for over 60 days with no response from the company as an open dispute. I will be seeking litigation and correct compensation from whoever this company if this doesnt get deleted asap.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance XXXX {$910.00} XXXX XX/XX/2022
Consumer complaint received 2024-05-06
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)

Recently I looked at my credit report and noticed the inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accurate XXXX Card XXXX
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that these accounts were 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (FL)

I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME STRESS, I AM A XXXX, XXXX, XXXX AND XXXX  XXXX.
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: 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 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( 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. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-09-10
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is a follow-up to my previous complaint that contains this erroneous account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wan the account to be removed to my file immediately, it is fraudulent and misleading