davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
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. (AR)

I am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically XXXX, TRANSUNION, and XXXX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report.
Consumer complaint received 2019-03-13
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. (FL)

I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX   opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX.
Consumer complaint received 2024-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-10
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

On XX/XX/year>, I formally communicated to your agency via certified mail that I was the victim of identity theft. Despite this notification, as of today, XX/XX/year>, your agency persists in reporting information that arose as a result of this identity theft. Under Section 605B, which governs the Block of Information Resulting from Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, when there is a possibility that reported data may stem from identity theft and that an identity theft report has been filed. 

In accordance with this requirement, I provided FTC report number XXXX and requested a block on the fraudulent information. Upon your receipt of this notice, Section 623 ( a ) ( 6 ) compels furnishers to cease the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft. This action must be taken no later than 4 business days following the receipt of : ( 1 ) adequate proof of the consumers identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the specific information by the consumer; and ( 4 ) a consumer statement affirming that the information does not pertain to any transactions made by them.

I have fulfilled all these conditions, which will be substantiated by the documentation attached to this complaint. However, your agency has not complied with the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which requires the blocking of information identified as resulting from identity theft within the stipulated timeframe. This constitutes a violation of the law, making your agency civilly liable for willful noncompliance. I am entitled to seek actual damages sustained due to this oversight, as outlined under 15 U.S. Code 1681n.
Consumer complaint received 2024-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

The hospital provider XXXX XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX never called me to notify me of a debt and now Im getting a call from a collection agency Medicredit to pay for some amount. I specifically told them to call me is the best form of contact as I cant receive mail due to my apartment complex having homeless people breaking into our mail.
Consumer complaint received 2023-04-28
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. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

They violated a reporting law and I asked them to remove the collection off my credit report. They have not responded concerning this portion of the letter. They have unlawfully reported this debt to the credit bureaus. Their offenses have amount to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not given them permission to access my credit profile and they have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment. They have not responded to me addressing this issue and this is my complaint.
Consumer complaint received 2024-04-29
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. (AZ)

Despite multiple attempts to address this issue, the late open account persists, which is adversely affecting my creditworthiness and financial standing. 

As previously communicated, the presence of a late open account inaccurately portrays my credit history and could have detrimental effects on my ability to access credit and financial opportunities. I have provided detailed documentation and evidence to support the correction of this inaccuracy, yet it remains unresolved. 

I kindly request an update on the status of my request and urge you to prioritize the correction of this late open account without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-05-21
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. (IL)

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX {$87.00} 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
Consumer complaint received 2024-04-29
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. (SC)

I hope this message finds you well. Despite multiple attempts to address this issue, the late open accounts persist, adversely affecting my creditworthiness and financial standing. I have provided detailed documentation and evidence to support the correction of these inaccuracies, yet they remain unresolved. 

I kindly request an update on the status of my requests and urge you to prioritize the correction of these late open accounts without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-04-29
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. (SC)

I hope this message finds you well. Despite multiple attempts to address this issue, the late open accounts persist, adversely affecting my creditworthiness and financial standing. I have provided detailed documentation and evidence to support the correction of these inaccuracies, yet they remain unresolved. 

I kindly request an update on the status of my requests and urge you to prioritize the correction of these late open accounts without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-26
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. (NJ)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

The company is in violation of furnishing my information without my written consent within to require time frame to make me aware also XXXX aware that reports containing solely on transactions between a consumer and a PERSONS are illegal. 

And on the XXXX major reporting agencies I find inaccurate reporting in my payments
Consumer complaint received 2022-11-13
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. (MO)

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. 

XXXX XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX bankruptcy 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 2024-04-04
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (MO)

I am a natural person, I am a living human being, I have rights under law 15 USC 1681. Security Credit Services is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand a removal from this account off of my credit file. According to 15 USC 1681 : I have rights and i did not given Security Credity Services written permission to furnish this account.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NV)

After constant failed attempts at informing each bureau and reporter, the items listed on this XXXX XXXX XXXXeport with the XXXX shall be removed IMMEDIATELY! 

ALL INQUIRIES SHALL BE REMOVED IMMEDIATELY ALL NON-MAILABLE ADDRESSES SHALL BE REMOVED IMMEDIATELY! 

THE COMPENSATION IN WICH I SHOULD HAVE BEEN PROVIDED WHILE PAYING FOR THE XXXX XXXX  SERVICES, ONES OF WHICH WERE IGNORED SHALL BE FURNISHED IMMEDIATELY ~Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of XXXX XXXX, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from XXXX XXXX unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a copy of my credit report and I discovered information that is not mine I contacted the credit reporting agencies and requested that it be verified and to be provided documents that prove this account is in fact mine an not a result of identity theft that was in XXXX of XXXX they have still not provided me with any documentation XXXX XXXX contacted me on XX/XX/XXXX stating they verified my birth date and ssn and that's enough for them to verify the account I requested a contract or any information that could link me to this account the merchant doesn't even have a address or email to contact me Transunion is breaking the law by reporting this information even though it can not be verified properly XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-29
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> put hard inquiries on my credit report when they told me it was just soft pulls I would like to remove from my credit report immediately