davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. 

It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-11-21
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. (CA)

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, 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 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.
Consumer complaint received 2017-05-09
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. (WA)

Negative item reappeared Im a little confused.  XXXX  months ago, I disputed the following previously deleted account as being inaccurate, and Equifax deleted it because the furnisher agreed with me.         But today, I went online and checked my credit and noticed that Equifax put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least  XXXX  days after placing this item back on my credit report. So why was I not notified? Because of your actions, I was denied credit. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine.     Please delete this previously deleted account within   XXXX   days of this letter.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft XXXX XXXX XXXX XXXX XXXX XXXX I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TN)

In XX/XX/2023, a Flex Loan was taken on my Citi Bank credit card without my authorization, then sent to my XXXX XXXX  checking account and directly sent to my XXXX XXXX  account and from there disappeared to someone named XXXX XXXX XXXX. 

It was done in a matter of a day and then completely disappeared. Citi Bank is saying that we need to pay back the Loan and keeps adding interest every month at a very high rate.

I don't know where else to turn.
Consumer complaint received 2024-02-18
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. (MI)

I sent several 609 dispute letters to XXXX, XXXX & Equifax contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!
Consumer complaint received 2018-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid. 
I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item. 
According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. 
Furthermore, you have the ability to change the listing since you are the information furnisher. 
Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP! 

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Consumer complaint received 2023-05-11
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. (MD)

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 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 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 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Group Inc. (MS)

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, OR, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$1300.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Oregon
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I was called by XXXX XXXX management on XXXX and XX/XX/XXXX leaving a voice mail without details to call them back. For concern about fraud, I did not return the call. I was subsequently notified that this company reported a debt claim to XXXX. I called on XX/XX/XXXX and spoke with an agent. I inquired about the debt claim and he responded it pertained to the " Apartments ''. I stated I never lived there. I asked who this debt was attributed to and he stated a name. I replied that I had no idea who the person was, nor had I ever met this person. He then asked if the last 4 digits of my SSN were correct and they were. I inquired about what the outstanding debt was related to and he stated " move out charges '' " painting '' dated XX/XX/XXXX. I also stated that I had never received an invoice for the charges in question ( totaling $ XXXX-that includes an interest charge ). The agent asked if this could be a fraudulent claim and I stated yes as I didn't know the person the debt was assigned, nor had I lived at the Apartments. He stated he would email information to file this as a fraudulent came, it has yet to arrive. I recalled my daughter had once lived in these apartments with XXXX other roommates and moved out that same year. As everything was done on-line, interestingly the leasing company no longer allowed her access to her move-out statement that showed she had paid in full. Also, the leasing company never returned her security deposit and there was no accounting of how the security deposit was used. 
The following day, I received an email from Genesis with a bill for {$270.00}. Again, no itemized bill, no proof that I had ever received a bill. Today, XX/XX/XXXX I was notified that my daughter received a similar email for the same bill. In this bill, they have her name correct but have the address of her ex-roommate. All of this leads me to believe that either : XXXX ) My daughter 's ex-room mate owes the debt and this agency is seeking anyone with an association to attribute the debt. Or, XXXX ) The debt is fabricated as I know my daughter never received her security deposit and I can guess her other roommates did not either. 
XXXX ) Both of the above is correct. 

It is clear this tactic of reporting the debt to my XXXX Credit bureau is a willful attempt to pressure payment without ever having to provide clear evidence that a debt is truly owed. I have asked for verification that the debt being assigned is truly mine ; a detailed original invoice for the {$260.00} + {$7.00} interest and what this reflects and neither is forthcoming. I can only imagine Columbia Debt Recovery LLC DBA Genesis is doing this to countless college students, young adults, and senior citizens. This aggressive tactic of notifying one 's credit bureau without providing the evidence seems heavy-handed and predatory.
Consumer complaint received 2023-05-11
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2023 I wrote a debt validation letter to USAA FEDERAL SAVINGS BANK requesting the following - The amount you claim the Respondent owes you, An explanation showing how you have computed the amount, Copies of any documents that prove I agreed to pay the alleged amount, The identity of the original creditor, The original lawful contract. I stated in this letter " Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. '' USAA has yet to respond or provide remedy. USAA has ignored my requests, though I filed an FTC Identity theft report and reported this as a fraudulent account, also USAA ( a furnisher of information ) is reporting this to the Consumer reporting agency 's which is causing me distress as I can not operate in commerce freely, this is not my account. USAA has denied providing me with the requested information that I am entitled to per the Fair Debt Collection Practices Act by choosing to not respond [ **NOTE** ] ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. USAA has now started deducting {$25.00} from a joint checking account I share with my husband every month on the XXXX starting in XX/XX/2023. USAA has completely ignored me in this manner and has started pursuing my personal account and stealing money from it to pay off somebody else 's debt. USAA received the requested information on XX/XX/2023 and has chosen to act and remain in dishonor.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. XXXX XXXX XXXXXXXX. XXXX 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 XXXXXXXX XXXX XXXXXXXX. customer service representative. I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and cooperation in resolving this matter. I look forward to your positive response and to continuing a positive relationship with XXXXXXXX XXXX  XXXX.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

This is a formal complaint lodged against Equifax regarding inaccuracies on my credit reports, specifically hard inquiries, which they claim to be verified. 

Equifax by not properly providing me with proper documentation within the required time frame, and I have evidence of such, via certified mail receipts : USPS Certified Mail and Return Receipt sent by Notary Public : XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX RRR Maybe they didn't get the part in my last letter where I said these CREDITORS were unknown and that they need to be removed, just because they said " verified '', it doesn't change the fact that I have no clue where it came from! 


They had enough time to verify these alleged accounts and because they didn't at any time send me even ONE shred of evidence that these were my accounts accounts or that I have the liability or responsibility or ownership, they need to be deleted. 

I'm pretty certain that they violated a bunch of federal laws : 1. Equifax didn't prove the creditor even responded 2. Equifax didn't send me anything at all to verify this was mine 3. Equifax are being paid to report this by a credit I cant even get a hold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 


As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 16 [ s-2 ] ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished person to any consumer reporting agency is disputed to such person by a consumer, the person may furnish the information to any consumer reporting agency without notice that such information by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 68 I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act