davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
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. (FL)

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (WA)

Fales personal information on my credit reports. 

Items that have been paid and/or charged off are not being reported to other credit bureaus. 

Have filed for identity theft in 2014.
Consumer complaint received 2023-09-02
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. (TX)

In reference to claim XXXXXXXXthat is currently still OPEN with the CFPB. Transunion never responded or gave updates. Instead, they automatically sent an automated response in the MAIL which I did not request, saying they did an investigation and everything I stated was inaccurate. I don't know how an investigation could be completed in a day over a serious matter in the still OPEN complaint that i have that's nowhere even resolved. As a consumer I am entitled by law to a thorough investigation, and I did not receive that. So, I would like to know how the information and investigation was " verified ''. Would like to know the exact PROCESS and PROEDURES used in said investigation.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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.

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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance to the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
I told XXXX and XXXX and equifax to delete this old XXXX XXXX account because, I have no recollection of ever having this account, and they did but it is still partially on my consumer report under Equifax. Now by law it is the credit reporting obligation to have all my information 100 % correct if not that can result in a violation. 

According to the U.S.C 1681i ( 5 ) they are supposed to modify accounts that isn't reported correctly. 

also 15 U.S.C 1681 section 602 A states I have the right to privacy.

15U.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 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.

I will show the evidence of 30 violations created by equifax!
Consumer complaint received 2024-04-22
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXBalance Owed : {$1500.00} XXXXXXXX XXXX XXXX8***Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}.
Consumer complaint received 2023-09-26
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. (VA)

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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.
Consumer complaint received 2024-04-22
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identity transactions. The identity transaction are not information related to any transaction by me as the consumer : Bankruptcy XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (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 2024-04-22
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 XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MD)

I was forced to move from XXXX XXXX XXXX due to loss of a major Contract.On the Morning of XXXX XXXX  I discovered that my XXXX was not in the Underground Parking Garage.I had parked my car in the garage during a severe thunder and lightening storm.XXXX  XXXX XXXX does not have XXXX XXXX.I normally park my car at XXXX XXXX which is across the street from XXXX XXXX. 
I am a XXXX XXXX.And I am responsible for Patient Care at several Facilities in the greater XXXX Area.I was unable to locate my car for several hours.And I was forced to cancel a full day of work.Patients ( And their Families ) were forced to cancel their schedule procedures .Most Patients wait months to get scheduled for their procedures. 
I previously paid XXXX XXXX XXXX a {$25.00} fee to park .This was despite the fact that I had to pay to for XXXX charging several times a week.There was no security for vehicles since vehicles were broken into.And there was no monitoring of vehicles in the garage.Numerous vehicles did not have XXXX XXXX Stickers on their windshields.I witnessed vehicles tailgating into the garage on a daily based.Most without XXXX  XXXX vehicle stickers. 
Warfield Hunter a Collection Agency was given personal information ( My Emergency Contact person 's phone number ). 
XXXX XXXX XXXX was given sixty days notice that I would be vacating.The early termination was based upon the above events.All that were extremely harmful to my ability to earn a living.
Consumer complaint received 2023-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This company called LVNV Funding LLC is in Violation of 15 USC 1692f sec 808. This company is trying to collect on a debt from XXXX XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX am the Agent for this Pricipal. I have requested Validation of this debt per 15 USC 1692g sec 809 and what I mean by Validation of this debt I mean the XXXX XXXX the application that was signed by the Principal to open the account. I want to know who holds the Security now? I think this company is trying to commit Securities Fraud which is a Federal Offense can you please contact the XXXX  and have them open a case on this company that is trying to collect Federal Reserve notes on an Account that has already been paid in full and put a stop to the Fraud that Plaques our finacial system today. I think this needs to be reported to the Department Of Justice also.
Consumer complaint received 2024-04-22
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been told different information after many calls between Transunion and the two creditors that placed an inquiry on my credit report. I have both creditors providing documentation that the inquiries were related to fraud activities and that they have already corresponded with Transunion to remove the inquiries. Transunion reps have told me that doesn't get inquiries removed and that I need to send in that same documentation along with authorization to delete the inquiries. I have done these steps but a little confused as to why all these steps are needed when XXXX and XXXX handled my similar issues so seamlessly. 

I'm reaching out to the CFPB because of the long track of miscommunication with Transunion. I also want to hold them accountable for what they promise. I'm tired of hearing wait for 30 or 60 days after letters have been received. It's been a full year since those fraudulent inquiries popped up on my credit report.
Consumer complaint received 2024-04-22
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On four different occasions, I have disputed incorrect information on a credit report from Trans Union. My bank has reported to them each time that their information about an overdue payment was incorrect. Trans Union resolves the dispute temporarily and a month later, they reverse the action and reduce my credit rating. Since I cant seem to resolve this issue with the company, Im hoping the CFPB can help. Thank you!
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

Several weeks ago, I contacted Elan Financial Services, which services my XXXX Credit Card. I checked my balance with the account, and they confirmed my balance is {$1100.00}. However, XXXX XXXX and XXXX show my balance as {$7100.00}. 
I disputed this with the credit bureaus, and XXXX came back with this result : RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 
This inaccurate balance on my credit report is impacting my credit score keeping it in the 670 area.
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy federal is charging me for a XXXX item that was returned which was refunded to me for only {$90.00}! They are telling Navy Federal that this is a new item! And taking {$29.00} out of my account for each item that XXXX received! They are scamming me through my account.
Consumer complaint received 2023-04-26
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. (OH)

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 Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 an 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.