davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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. (AZ)

I sent a dispute letter to the agency, it contained my personal information, as well as copies of my Travel ID and utility bill as confirmation of my identity ( this is sufficient by law ), the agency refused to accept this letter, they sent me a response in which they indicate the fact that they do not understand the nature of my appeal, can not accept it because they are sure that I did not write this letter and ask to send more documents confirming my identity. That is, otherwise this answer is perceived as the agencys unwillingness to fulfill its duties.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-10-09
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)

I am writing to file a formal complaint regarding the account XXXX XXXX, which was previously reported as repaired but has once again displayed inaccurate late marks in its payment history. I am requesting the correction of the information associated with this account by the three major Credit Bureaus. Details of the account are as follows : XXXX : XXXX XXXX Balance : {$48000.00} Equifax XXXX XXXX XXXX Balance : {$48000.00} XXXX : XXXX XXXX Balance : {$48000.00}
Consumer complaint received 2023-09-22
Product: Credit reporting 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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on
Consumer complaint received 2024-04-07
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. (MD)

In accordance with the Fair Credit Reporting act 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. I would like to have this hard inquiry removed from my account
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

My name is XXXX XXXX, I reported an identity theft last year, I did challenged that and it was dismissed, not until one of the 2 identity dismissed sue me to new jersey small claims court after I have contacted there collection agency presler and felt warshaw, XXXX, nj that that was not my account nor transaction, I told him it was identity theft and the next week, last XXXX, they mail an invoice and the transaction of the credit card activities with my info but a different address which I don't live.upon receiving the invoice the address was where my ex girlfriend used to live and I came to the conclusion she was the one who stole my identity, use my info unknowing to me and get 2 credit cards, and both address of the recipients of the card is on XXXX XXXX XXXX and when the card was received she wasn't living in New Jersey then which means someone in New Jersey mail the card to her in North Carolina where she live, and I am looking at suing comnity capital Bank for allowing a third party use my info to get a credit card without my consent. And I will need help on another transaction because the same ex girlfriend while she was in New Jersey, she moved to the address which she used to redirect the credit cards she use my info to get and she need to buy furniture and she said she was expecting some money from an accident lawsuits that she wants me to use my credit card to buy the furniture and she will make the installment payment and I bought the furniture for her with my cards and she starts to make payments as promised and within that period was when as hearless as she was stole my info and got other credit cards, she relocated out of new Jersey to North Carolina in 2019 and she stopped making payments until I received a mail from a collection agency presler felt and warshawXXXX XXXX XXXX XXXX and I told them I owns the card but it was used to buy furniture for my ex and she has been making monthly payments with her debit cards so I don't know nothing about her transaction and we were on conference call together me my ex and the collection agency and lied she has been paying and they ask her to call and mail all her payments to them which she did but she never call and lied to me she called until I was sued by the collection agency to new jersey Supreme Court and to avert any problem, I made a payments of of XXXX for the money she owes, all the proof of the payments is with presler felt and watshaw, and I would want the government to help me.get back my hard earn money.when I call to challenge her she blocked me.this is her name, XXXX XXXX XXXX she lives at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and her phone number is XXXX XXXX
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding the account XXXX XXXX, which was previously reported as repaired but has once again displayed inaccurate late marks in its payment history. I am requesting the correction of the information associated with this account by the three major Credit Bureaus. Details of the account are as follows : XXXX : XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} TransUnion : XXXX XXXX Balance : {$48000.00}
Consumer complaint received 2023-04-18
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. (IN)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXXDate of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-09
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-28
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. (IL)

In accordance with the Fair Credit Reporting act : 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. 
, have 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 an account without my written instructions.
Consumer complaint received 2023-01-21
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. (DE)

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to PAANL status paid as agreed never late according to consumer protection law.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST on XX/XX/XXXX I received a email saying I own them money from a property I lived 3 years ago and left with a lease termination. due to un live-able conditions. 
the property was sold off to a new company and now the new company is trying to collect the amounts for the rent if I lived there but my lease was terminated and keys surrender over 3 years ago. 

the debt collector refuses to provide the lease, the termination paperwork or anything to prove the debt and just non stop calls and treats against me for not paying this. 

I asked many times for the lease and they are saying they don't have to provide that to me and after I got a hold of the supervisor he was no help and told me NO. then said mail us a letter asking for it. 


I sent them a email back with this. 


I am writing in response to your repeated attempts to collect a debt from me. While I understand your obligation to collect debts on behalf of your client, I must insist that you provide me with legitimate proof of the debt that you claim I owe. 

I have received several notices from you, but none of them have provided any real evidence of the debt in question. Therefore, I am requesting that you cease all attempts to contact me until you can provide valid proof of the debt. 

Please note that your failure to provide legitimate evidence of the debt will be considered a violation of the Fair Debt Collection Practices Act, and I will be forced to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-09
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. (CA)

This is your final opportunity to process my identity theft request appropriately. Failure to do so will compel me to seek a legal remedy in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured as a result of this issue. I am confident that the material facts will become glaringly evident, and you will be held responsible for your negligence. Should you persist in denying my position, I want to make it ABUNDANTLY CLEAR THAT I AM PREPARED TO ENGAGE LEGAL COUNSEL to pursue a legal remedy. I insist that my identity theft claim be processed meticulously, in strict adherence to the letter of the law. To substantiate the gravity of my identity theft claim, I am providing you with a comprehensive law enforcement agency report, which has been duly filed with a federal agency. It is imperative that we expedite the resolution of this matter within the legally mandated 5-day timeframe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts immediately.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or customer service representative. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filing to formally present a complaint against XXXX and Equifax Bureaus regarding unresolved issues in my credit reports. Despite previous attempts to address these issues, they remain unaddressed. I kindly request the removal of the following fraudulent inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-06
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)

Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX.
Consumer complaint received 2023-09-29
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NV)

An amount of {$560.00} is owned by Nationstar Mortgage. On  XXXX   XXXX   XXXX   XXXX    XXXX   transferred my loan #  XXXX  to Nationstar Mortgage along with same loan terms. What occurred during the month of  XXXX   XXXX   XXXX  was a automatic payment made to   XXXX   by    XXXX   XXXX   XXXX    of  XXXX , along with two other payments made on  XXXX  and  XXXX   XXXX   XXXX . Nationstar claims non-receipt of payment of  XXXX   XXXX   XXXX  but the other two payments were received. Nationstar insisted that proof of record be provided that payment was made on  XXXX   XXXX   XXXX . First they wanted a FAX, later an EMAIL with justifying documentation. They insisted they had no record of receiving neither documents.   XXXX   XXXX   documentation verified all three payments were made. Nationstar on  XXXX   XXXX   XXXX  in- dicated that an error was identified, that a corrective statement would be made. No statement has been received and is anticipated. The only transactions made in  XXXX   XXXX  subsequent to  XXXX   XXXX   XXXX , were two others on  XXXX   XXXX   XXXX  for partial and principal transactions. Transactions made during  XXXX   XXXX  were the pay-off loan type. In the 5-months that we were paying on the loan was nothing but a headache, that we made the decision to terminate the loan early.