davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my credit report maintained by Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing significant distress and impacting my financial well-being. 

I discovered unauthorized and fraudulent items on my credit report, raising concerns about potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted detailed dispute letters, and provided all necessary supporting documentation to facilitate the removal of the fraudulent entries. Regrettably, despite my continued efforts, these unauthorized items remain on my credit report, tarnishing my credit history and hindering my financial stability. 

Enclosed with this letter, you will find a comprehensive timeline outlining each attempt made to address this issue, including reference numbers and specifics of each communication. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The prolonged presence of fraudulent items on my credit report is not only causing financial harm but also creating undue stress and anxiety. As a responsible consumer, I expected a more expedited and effective response from your agency to correct these inaccuracies promptly. 

I urgently request that your agency conducts a thorough and expeditious investigation into the matter, removes the fraudulent items from my credit report, and provides written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and explore legal avenues to protect my consumer rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXXXXXX XXXXXXXX XXXX Balance Owed : {$6300.00}.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, XXXX XXXX I contacted the data furnisher company XXXX XXXX at that time I filed a dispute on the following accounts that are being reported as collections.XXXX. XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX and XXXX XXXXXXXX XXXX  account no. # XXXX. On XX/XX/XXXX I received a response to my dispute stating that has of the date of the letter they forward me that this account had been deleted .Further more they furnish me with a letter to contact the following credit bureaus XXXX XXXX Transunion XXXX and XXXX that they furnished this inaccurate data. At that time I filed disputes with XXXX, XXXX, and TRANSUION on XX/XX/XXXX, I also forwarded them a copy of the letter that was furnished to me by XXXX XXXX proving that these accounts had been deleted. In my dispute to these credit bureaus I requested that these accounts be deleted because the data furnisher company that had provided them with this inaccurate data had deleted these account that they were reporting on my consumer report. On XX/XX/XXXX and I received my Transunion credit report file number XXXX and my XXXX credit report file number XXXX saying that there investigation was done and the results were that the creditor updated this information. How could this be when I have XXXX letters from the data furnisher stating these accounts have been deleted.. Please investigate this issue.
Consumer complaint received 2023-09-15
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: Thaxton Investment Corporation (IL)

XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed 3 complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.
Consumer complaint received 2023-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

This account is showing in collections when this is XXXX XXXX error. When we first opened the account we asked to changed the account name to my Husbands and after they changed it we never received a bill under my name. The bill was under my husbands name and we paid all our payments on time and was never late. After our contract or promotion expired. We received this under my credit. This is an error and they have not fixed it.
Consumer complaint received 2024-06-05
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-23
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. (TN)

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. 
XXXX- Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX 15 U.S.C 1681 section 602 A states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) section 5 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 personal shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Capital Credit and Collection Service, Inc. (MN)

On XX/XX/18 2 payments of {$25.00} and {$50.00} were taken out of my bank account from capital. I cancelled those payments KNOWING i would NOT have funds available at that time. I scheduled a payment for XX/XX/18 KNOWING funds that day would be available. Capital has made me overdraft in my checking account not once but twice since 2 payments were to be taken out. Once those payments were cancelled I assumed that they were cancelled and set up for the correct date to be taken out. So, I look at my statement for capital and they are charging me for the return of the {$25.00} and the {$50.00} then also a late fee of {$25.00} Which they did reverse that. But because my payments were returned of {$75.00} combined. That their is nothing they can do. Because they were returned payment. So the payments that were returned I got hit with them. I spoke to a man name XXXX ( XXXX employee number ) and he kept speaking over me numerous of times. He stated those payments were returned your bank set us a memo stating funds were not available as of XX/XX/18 and for me to call my bank. Which I proceeded to contact my bank and stated to them what was said from Capital. And when I spoke with my bank she stated funds were available as of XX/XX/18. And will give me print out with day and time my funds were available. So today XX/XX/18 I contact XXXX and he again proceeded to talk over me. And explained that I want to speak to his boss and he stated NO that the boss is administrative and he speaks on their behalf.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have repeatedly disputed the accounts XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, XXXX XXXX Date Opened : XXXX  Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, yet your bureau continues to report them as verified. I have even gone above and beyond by contacting the furnishers of this information directly, as the FCRA provides, and they have failed to respond or provide any proof of the disputed accounts. Your lack of response is unacceptable and I am demanding that you immediately delete this inaccurate and unverifiable information from my consumer file. I have already sent multiple letters and have received no response. Your failure to comply with the FCRA can result in legal action against your company. I have already done everything in my power to resolve this issue, and yet the information still remains on my credit report. I will not allow your company 's negligence to continue to harm my credit score and financial well-being. I demand that you take immediate action and delete the disputed accounts from my credit report.
Consumer complaint received 2024-01-09
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: EQUIFAX, INC. (TX)

I have recently gained knowledge in my credit report and realized there are items that i do not recognize. I have asked the bureaus to remove these specific items and they have/ will not. I have submitted an identity theft report that i will be attaching to this claim. I am asking for these items to be removed from my credit report as soon as possible due to them being inaccurate and not mine.
Consumer complaint received 2024-04-23
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. (MI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2018-03-02
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. (FL)

I have sent in several disputes and FTC Reports to XXXX, TRANSUNION AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS XXXX. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX XXXX. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-08
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. (NY)

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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My student loans were forgiven in XXXX of XXXX. As of XX/XX/XXXX, my credit report did not show this. I contacted XXXX and Equifax to ask that it show paid in full closed. Equifax responded by showing the original loan amount as paid but left what appears as interest still owed on the account. I have not been informed by any agency that loan interest was still due. It is my understanding that the whole of the loan is forgiven. 

In the summary of my credit report, Equifax still shows that I owe the full loan amount. 



I would like my credit report to correct this issue on my credit report.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (NV)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/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
Consumer complaint received 2024-04-23
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. (NY)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-01-08
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. (CA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-02-11
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. (CA)

I acquired my credit report & ask the credit bureas to check & make sure everything was complete & 100 % accurate for the following accounts according to 15 USC 1681i ( 5 ). 
Account : XXXX XXXX XXXX XXXX XXXX XXXX I waited 30 days & received my investigation & noticed every was still the same. The consumer reporting agency which experian did not remove or modify anything. The date opened is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three credit bureas. 
Which is a violation. This is impacting me from moving forward to obtain business credit for my business. 
I attached my previous credit report with my new credit report to show how Transunion has violated my right.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In XXXX of XXXX, I submitted a lease application to lease a house with XXXX XXXX. The online screening company that the used was called XXXX XXXX. I was informed by the leasing agent that the bureau that XXXX XXXX pulls all of its data from is Trans Union. I was given a number to contact XXXX XXXX after the denial and asked for a copy of their findings and the reason for the denial. They wouldn't provide the information. I have attached a copy of the denial letter to this complaint.
Consumer complaint received 2024-01-08
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.