davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (IL)

The company did not provide any information that I owed the debt. Zions Debt Holding provided NO credit application and NO contract with my signature. I had NO CONTACT with the company who originated this debt ( XXXX XXXX XXXX ) and I provided NO information to open the debt. There are no credit inquiries on my credit reports and no personal identifying information associated with the debt. No account has been reported to the bureaus. Zions reported the debt with NO PII. Zions provided no PII to validate the debt, no application, no signed contract, nothing. T The debt was created on a rented property that I own. The property is a Federally regulated property rented to a low income senior ( XXXX ) XXXX man. The original debtor 's representative ( XXXX ) used unfair and deceptive practices to obtain my name as the owner of the home. The tenant has taken full responsibility for the debt, does not have my PII and NEVER provided anything other than my name. If Zions or XXXX have any PII it was obtained fraudulently and illegally by the debtor! The debtor has illegally opened an account in my name.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2018-05-13
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. (NJ)

My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.
Consumer complaint received 2018-05-13
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: Experian Information Solutions Inc. (VA)

All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-10-23
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. (UT)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$150.00} XXXX XXXX Bankruptcy {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of AmericaXXXX account XXXX i call then many time more then 20 times, i when to the breach over 10 times, its almost 6 over months the hold my money after closed the account with no reason
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-23
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. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In accordance to the fair credit reporting ( FCRA ) act Equifax has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. Equifax is inconsistent with several accounts across the three credit reporting agencies and the information is inaccurate.
Consumer complaint received 2023-04-19
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023 I sent a notarized affidavit to XXXXXXXX XXXX  by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; American Express tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX as well as XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (AZ)

My account has been un accessible for almost XXXX  months. I have been requesting since XXXX of last year for access without resolution. Its been so long I do not remember my balances. My last request was XX/XX/XXXX and all I get is templete auto emails/
Consumer complaint received 2023-10-23
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. (MS)

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 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 2024-03-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (NV)

XX/XX/2024. XXXX XXXX XXXX explained it was interest of almost {$4.00} a day until loans paid off. I was told at time of loan that payoff would eliminate interest. Why it shows more to pay off by XX/XX/2024, that my online account shows I owe as of next payment.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (TX)

XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These account have late payments that I would like to be replaced with ok. The accounts are as follows XXXX XXXX- XXXX Has late payments attached to a now charge account. Charge accounts should not have any late payments due to the acccount is already late by default. 

XXXX XXXX XXXX & XXXX This account is not suppose to be reporting each and every month and the account is late by default. 

Kickoff LendingXXXX XXXX This account is a charge off and charge accounts are late by default so there should not be my late payments attached to it. It is also inaccurately reporting from XXXX XXXX XX/XX/2023 it goes from XXXX late to XXXX. I am sure that isn't accurate at all Please update and report pays as agrees. 



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Consumer complaint received 2023-10-23
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: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX I received notification that there had been a hard inquiry from Synchrony Financial/XXXX  XXXX I received an email regarding the denial on XX/XX/XXXX so no account was opened. However I would like to request that the inquiry from XX/XX/XXXX be removed as I did not make this request. I have contacted the financial institution to advise this was a fraudulent request on XX/XX/XXXX.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (HI)

Midland Management admitted they hired XXXX and is responsible for their actions in violating the Fair Credit act and despicable behavior which is the reason for this complaint. Which they violate the Fair Credit Act on multiple occasions Also I was given a 1099c and can provide proof and XXXX XXXX record keeping and Midland lack of taken responsibility and not removing this from my credit reports will be reason for a law suit against Midland. I even took it one step further and spoke to a representative from XXXX XXXX to verify. Also the fact a judge dismissed the case and not XXXX who Midland Hired they took there shot and lost because I no longer live at XXXX XXXX is no longer my address since my divorce and since I was a victim of XXXX XXXX which is on record so any correspondence to that address on XXXX XXXX XXXX  and lawsuit filed XX/XX/XXXX XXXX  and this being on the docket for well over a year just shows this debt can not be collected on so I demand this collection be removed from all of my credit reports. Your serious actions and failure should no longer affect me, This account was placed with XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). XXXX XXXX advised that an initial demand letter was mailed to you on XXXX XXXX XXXX, and suit was filed on XXXX XXXX XXXX  XXXX XXXX stated that they will no longer be pursuing suit and have requested a dismissal. Last Demand removal of this account from all credit reporting if this is not done I will be filing lawsuits against Midland and XXXX XXXX for your handling this debt from the start. Your both business practices are illegal. But hey continue down your path your just doing me a favor because I take action not just words
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (GA)

my name is XXXX XXXX and im writting today, In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
acct name : XXXX acct. # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXX XXXX  acct # XXXX acct name : XXXX  XXXX bank acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct XXXX XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX  acct # 's XXXX, XXXX acct name : XXXX XXXX acct : XXXX acct name : XXXX XXXX acct : XXXX XXXX XXXX, XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXXXXXX acct # XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States i havev 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. 

these inaccuracies are causing me not to purchase a home or estabish any new credit.
Consumer complaint received 2023-05-03
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: DISCOVER BANK (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-23
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. (MO)

Once again experian is deliberately not fixing my account because of complaints I have filed 16 months worth of on time never late payments to XXXX To pics of experian own website shows thy are not telling the truth
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (NY)

I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( XXXX, XXXX ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Attached is a police report from the XXXXXXXX XXXX XXXX The following Reported Information, Inquiries Viewed By Others and Only By Me currently listed and showing on my Chex Systems Consumer Report ID : XXXX are fraudulent, unauthorized and not my reported information or inquiries : XXXX XXXX XXXX, XX/XX/2023, {$960.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX