davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX : Account Number : XXXX : Balance : {$9900.00} - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX : Account Number : XXXX : Balance : XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$2000.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$410.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : $ XXXX Date Opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX 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
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting XXXX late payments fory XXXX XXXXXXXX account that only has XXXX late payment. The late payments are showing for XXXX and XXXX of the year XXXX. They are inaccurate and need to updated. 

The only late payment I have on this account is from XXXX of XXXX.
Consumer complaint received 2024-09-01
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. (PA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-02
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

As per my written request of XX/XX/2024, the following debt collection agencies and credit bureaus have ignored my request and ignored the law by not submitting to my request for debt validation of the debts being reported on my credit report. 

the DEBT COLLECTION companies in violation of the law include VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-09
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)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-06-18
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have sent all documents for the initial hardship from & during XXXX and why we needed a hardship. our current situation, we have been trying to make a payment since XXXX of XXXX, Rushmore took the payment then returned it, they also told us we were approved for the modification last year but then denied payment when the payments were supposed to begin- we have been trying to make payments, trying to get our mortgage figured out, all the while both Rushmore and XXXX XXXX have denied any payments to be made, & Rushmore strung us along since XXXX even though they said the 18 months of Covid relief would be put on the back end & the balance would be resolved for relief purposes under the CARES ACT. It wasnt & is now included in the balance & appearing in my credit. All we want to do is pay our mortgage, Rushmore put us behind by not honoring our contract that we agreed, signed & notarized. Which I can send a copy of also. This account should show current due to the status being under a loan modification for XXXX relief & forbearance which was never reported on behalf of my self & XXXX XXXX  credit report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-09-02
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. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to dispute an account related to XXXX XXXX XXXX and XXXX that I do not recognize. I have previously disputed this account multiple times without resolution. 

Details : Account in Dispute : XXXX XXXX XXXX Original Creditor : XXXX Amount in Dispute : XXXX Actions Taken by Me : Disputed the account on XX/XX/year> Requested verification or additional information on [ date ( s ) ] [ Any other relevant actions taken ] Actions Taken by the Company : Response or lack of response from XXXX XXXX XXXX Any communication received from XXXX on SOLD TO A COLLECTION COMPANY AND INACCUTE DATES 15 USC 1681 Fair Credit Reporting Act ( FCRA ) Protections Section 1681c Information Excluded from Consumer Reports This section outlines what information should not be included in a consumer report, such as XXXX  more than XXXX XXXX XXXX, civil suits or judgments more than XXXX XXXX XXXX, and records of arrest more than XXXX XXXX XXXX. 
Section 1681d Disclosure of Consumer Reports This requires that consumers must be informed about the contents of their credit reports, and specifies the procedures for accessing and obtaining their reports.

Section 1681e Responsibilities of Furnishers of Information This section requires companies that furnish information to credit reporting agencies to ensure that the information provided is accurate and to investigate disputes regarding inaccuracies.

Section 1681g Right to Know Whats in Your File This gives consumers the right to obtain a copy of their cre

dit report from a credit reporting agency, along with a list of anyone who has requested their credit report. Section 1681i Procedure in Case of Disputed Accuracy This section details the procedures for disputing inacc
uracies in your credit

report and requires credit reporting agencies to investigate disputes within a specific timeframe. Section 1681j Disclosures to Victims of Identity Theft This provides guidelines for consumers who are victims of identity theft to obtain information about the fraudulent accounts opened in their names. Section 1681k Users of Consumer Reports for Employment Purposes This section requires that if a consumer report is used for employm
ent purposes, the consumer must be notified and

must have the opportunity to dispute any inaccurate information. Section 1681s-2 Responsibilities of Furnishers of Information This section requires that furnishers of information to credit reportin
g agencies must have procedures in place to ensure the accuracy and integrity of the information provided.

Section 1681t Relation to State Laws This section explains how federal law interacts with state laws concerning credit reporting, often providing that federal law supersedes state laws in certain cases.

Section 1681u Disclosure of Address Information
Consumer complaint received 2024-05-09
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. (CA)

XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX XXXXXXXX continues to report this alleged debt that is not owed by me and XXXX XXXX  XXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.
Consumer complaint received 2024-05-09
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. (TX)

I have been disputing this negative item that is not 100 % up to par on my credit report for some time now. Equifax is disregarding my dispute and continues to report the item in violation. This is unfair to me as a consumer.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I see multiple accounts on my report that are inaccurate and the credit bureau are violating my rights by not properly verifying and providing documentation of method of verification for my dispute. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) and 15 USC 1681 a2ai of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-09
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. (WI)

Dear EQUIFAX ; " I '', XXXX XXXX is hereby giving NOTICE OF VALIDATION/Notice of Opportunity to Cure/Liability/Conditional Acceptance in pursuant to rights and remedy by law. There are falsely reported claims in " your '' records in my name along with misrepresentation of my lawful name as re : above. Please take the time out to investigate the matters as I have done so but are unable to be provided remedy for false claims from agencies who have unlawfully and without my expressed consent or proof of contract ; willfully, intentionally and knowingly shared/traded my private information against thy will ; with the exception of XXXXXXXX XXXX XXXXXXXX and XXXX XXXX ; which XXXX XXXX accounts XXXX I am exhausting all methods and if I can not find cure " in facts '' I will have no choice but to report all cases of falsified contracts " that are in the name of XXXX XXXX XXXX '' to the XXXX XXXX XXXX XXXX DEPARTMENT OF JUSTICE and any other agencies that may help in assist of this matter. Please remove all reports in error ; for they are causing, " I '', the living ( wo ) man, injuries and damages to my right to a fair and decent living as well as discrimination to my Lawful name without remedy for I out of good faith! Please take notice as I have done my due diligence in accordance with the laws stated in this correspondence. Please confirm validation, through correspondence, certified and notarized by a living flesh and blood witness that can attest to such facts under penalty and perjury. Please use the proper address listed above ALL OTHER ADDRESS MUST BE REMOVED AS THERE ARE NOT ASSOCIATED. Thank you for your assistance in the matter. 
THIS IS A FORMAL OPPORTUNITY TO CURE
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The personal information of my consumer report has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
My only name is XXXX XXXX XXXX My only SSN is XXXX My only address is XXXX XXXX XXXX XXXX XXXX MI XXXX There are multiple socials on my consumer report please remove them. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bankruptcy on my consumer reports should be removed because XXXX XXXX has already deleted it from their report and any accounts attached to it. 

15 USC 1681 section 602 A 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 a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CT)

I have contacted LVNV Funding, letting them know XXXX XXXX XXXX cleared this matter. Infact, when I first contacted the CPFB regarding thisXXXX XXXX XXXX XXXX let me know that it would be removed from my credit report ; which you can see ( attached is my current credit report showing that XXXX XXXXXXXX XXXX has removed the account COMPLETELY from my credit report ). 

I have notified this to LVNV Funding multiple times ; and they refuse to remove the collection, as the debt was satisfied. XXXX XXXXXXXX XXXX can also be reached in this matter, as they know I made a complaint with the CPFB.

Secondly, LVNV Funding ( attached screenshot ) is now showing one missed payment. I have never made ANY payments to their company nor have I given them any authorization, ever, to take any money from my checking account or credit cards. This shows that they are in direct breach of the FCRA and my next step will be to hire an attorney if this is not removed from my report. 

As a side note ; I have disputed this with XXXX and XXXX and BOTH HAVE REMOVED IT FROM MY REPORT. The only one that has not is XXXX and it is DAMAGING my credit and I will hire an attorney if need be to reconcile damages from them for FALSE reporting on MY credit report and I want them to know this when you talk to them. 

This was a misunderstanding with XXXX XXXX XXXX  and HAS been rectified with CPFB through a previous complaint and 100 % removed from my credit report. LVNV FundiXXXX is falsely reporting this charge and it is NOT supposed to be there. 

****Please see attached previous complaint with CPFB and XXXX XXXX XXXX where this was already removed from my credit report 100 %. ******
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2024 my credit score was greatly reduced out of thin air and for no reason at all by at least XXXX and Transunion. I was given a XXXX point deduction by at least both of these companies. Looking at my credit report and calling the only credit card company that I use they even agreed that they did not know why my score was affect as I have an excellent rating with them. There is no reason for this adverse action to have been taken and I want it undone ASAP.