davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, reported, and used. While the FCRA does not specifically address inaccurate charge-offs, it provides certain protections and procedures that can be relevant when disputing inaccurate information, including charge-offs, on your credit report. Here are some key provisions of the FCRA that may apply : XXXX. Accuracy of Information ( Section 607 ) : Credit reporting agencies ( CRAs ) are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. If you believe that the charge-off information reported on your credit file is inaccurate, you have the right to dispute it with the CRAs. 

XXXX. Investigation of Disputed Information ( Section 611 ) : When you dispute inaccurate information on your credit report, the CRAs must conduct a reasonable investigation into the matter. They are required to contact the creditor that provided the information and request verification or correction. The investigation should be completed within 30 days, although there are exceptions for certain circumstances. 

XXXX. Reinvestigation of Disputed Information ( Section 611 ) : If you are dissatisfied with the outcome of the initial investigation or if the inaccurate charge-off information reappears on your credit report, you have the right to request a reinvestigation. The CRAs must conduct another reasonable investigation and provide you with a written response within 30 days. 

XXXX. Obligation to Correct or Delete Inaccurate Information ( Section 611 ) : If the CRAs find that the reported charge-off information is inaccurate or can not be verified, they must promptly correct or delete it from your credit report. They are also required to provide you with a free copy of your credit report reflecting the changes. 

It's important to note that while the FCRA outlines these rights and procedures, it does not guarantee that inaccurate charge-offs will be removed from your credit report. The outcome of a dispute depends on the results of the investigation and the accuracy of the information reported by the creditor. It may be helpful to gather supporting documentation and evidence to strengthen your case when disputing inaccurate charge-off information.

If you encounter challenges in resolving the issue through the credit reporting agencies, you may consider consulting with a consumer law attorney or contacting the Consumer Financial Protection Bureau ( CFPB ) for further guidance and assistance in asserting your rights under the FCRA.
Consumer complaint received 2024-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$12000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-09-16
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 my 14th 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 an 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  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (CA)

On XX/XX/XXXX I sent a verification of debt letter to Vance and Huffman. I sent them a letter because they just appeared on my credit report with no prior communication or opportunity to to verify the debt prior to credit reporting. I requested the following information, which by law they are required to provide. 
The amount of the debt : Provide a complete and itemized statement of the amount owed, including any interest and fees. 
The name of the original creditor : Clarify the name of the original creditor and the date the debt was incurred.

Proof that you have the legal right to collect this debt : Supply any documentation that verifies your legal right to collect this debt on behalf of the original creditor. 
Any agreements or contracts related to debt : Provide copies of any contracts, agreements, or other documents that form the basis for the debt. 

On XX/XX/XXXX I received a response letter stating they were confirming the name/address and the amount due and owing. However, they didn't provide any proof to these things, and didn't provide any of the information I requested from them. They sent four pieces of paper that shows my personal information from looks like XXXXTHATS IT. No other information was provided. 
This is not a confirmation of debt, nor does it prove they have any legal right to collect any debt.
Consumer complaint received 2023-09-16
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)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX XXXX XXXX  : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13
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: CBC Companies, Inc. (TX)

Innovis, XXXX, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other names or addresses listed on my consumer report. I have repeatedly asked that these consumer agencies update and provide a new report immediately and I have not received any information.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Armcon Corp (CA)

I have previously spoken to this company and tried to take legal actions for this account but lawyer mentioned it has been more than 2 years and can't take action in this matter. This company is charging me for ambulance services for my son when we were active with the governmental insurance and i have proof of this active insurance. I never received a letter from the Fire Department or any other medical departments explaining to send any proof of insurance or any proof that I am getting charged for the service provided. When my son got discharged from the hospital i signed document of giving proof of insurance and got notified from the assistant at urgent care that everything is covered and will not get charged for any service due to XXXX insurance covering every service provided to my son this day.
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: Experian Information Solutions Inc. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 : {$130000.00} XXXX XXXX XXXX  Balance Owed : {$1000.00}
Consumer complaint received 2023-09-16
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. (AL)

This is my seventh 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 21st 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

My car I was financing was towed on XX/XX/year> by a third party. On XX/XX/year> I contacted Westlake to see if they could help me recover the vehicle and arrange for the fees to be added to the balance I owed. The first representative told me I spoke with told me to wait 24 hours for the car to show in their system. I requested that they contact the third party with the information I gathered from the towing company. The Customer service rep then insisted they could not reach out to them without waiting 24 hours. After 24 hours passed on XX/XX/year> I reached back out to them. The representative claimed there was still no record of my vehicle. I pleaded with the rep and asked if they could contact the third party, but they declined to call. The next day, XX/XX/year> they contacted me by email, claiming my car was in the process of being recovered. Unfortunately, I did not see the email until the next day which was a holiday XX/XX/year>. When I contacted them, on XX/XX/year> XXXX had put my car on repo and wanted the towing and storage fees. in order to reinstate the vehicle back to me.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Fundo LLC (TX)

So this is my third complaint on this. Today Fundo drafted out {$100.00} which they should NOT have! My payment is not scheduled until XX/XX/XXXX and again I have proof. Worse I am in XXXX no power and they just stole my food money. This has got to stop enough is enough and now they are not answering their phones.
Consumer complaint received 2023-09-16
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. (GA)

This is my 21st 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/
Consumer complaint received 2022-11-25
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. (GA)

n 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy discharged ; # 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 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 2023-11-17
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and request the immediate investigation and removal of certain fraudulent accounts that have been erroneously appearing on my credit report. These fraudulent accounts are not a result of any legitimate financial transactions, and their presence on my credit report is causing significant harm to my financial well-being and creditworthiness. 
I have attached a copy of my credit report, highlighting the fraudulent accounts in question for your reference. The fraudulent accounts that I am disputing are as follows : DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
I request that you initiate a thorough investigation into these fraudulent accounts as per the provisions of the Fair Credit Reporting Act ( FCRA ) and promptly remove them from my credit report if they are found to be inaccurate or fraudulent. Additionally, please provide me with written confirmation of the Under the FCRA, I am entitled to a fair and accurate credit report, and these fraudulent accounts are causing unwarranted harm to my credit score and financial stability.