davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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. (NC)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE ACCOUNTS.
Consumer complaint received 2023-09-25
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello, my name is XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Consumer complaint received 2018-12-25
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation (MT)

I ATTENDED XXXX XXXX XXXX FOR A WHILE THEN COULD NOT CONTINUE DUE TO HEALTH REASONS. THEY ARE TRYING TO COLLECT ON SERVICES NEVER RECIVED
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

A few days back, I reached out to Experian via phone regarding the incorrect addresses listed on my profile. I have also taken the step of sending them letters concerning closed accounts that continue to appear on my consumer report without my authorization. These accounts have been closed, thus they no longer have the right to be reported on my consumer profile.

Additionally, I have been proactive in reaching out to all collection agencies involved, disputing their claims, and requesting validation of the debts. As per the Fair Debt Collection Practices Act ( FDCPA ), until these agencies can verify the accuracy of the information provided, they are not legally permitted to report on my account. It is essential that my consumer report accurately reflects my financial standing.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am writing to follow up on my dispute resolution requests submitted to Experian, XXXX, and XXXX on XX/XX/2024. Despite the XXXX timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus.

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution.

Thank you for your assistance in resolving this issue.

Sincerely,
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (IL)

I'm writing this complaint today because XXXX student loans from AidVantage are currently being inaccurately reported on my consumer report. I have reached out a multitude of times in regard to the matter and AidVantage still to this day refuses to be in compliance with the law. I have attached the necessary correspondence below that outlines the violations AidVantage is currently exercising against me.
Consumer complaint received 2023-09-25
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX 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 myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-10-31
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. (NY)

Hello, my name is XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Consumer complaint received 2023-10-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EGL US, LLC (OH)

There was a Debt on my credit report in which i reported & it was removed. Since i have been Getting calls back-to-back Threats of me getting sued of the inaccurate debt. Now the debt is once back on my credit. To my understanding once a debt has been removed it shall not be once added back to my report, please look into this & remove this debt once for good. Thank you.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.
Consumer complaint received 2023-11-17
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 DEPT OF ED XX/XX/2023
Consumer complaint received 2023-10-31
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont have contract with this Agencies they did not provide me with original contract as i requested.
Consumer complaint received 2024-01-10
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. (TX)

Exquifax Data Breach Claim # XXXX has confirmed that i was a victim during the data breach occurring from XXXX - XXXX. 

My information was sold and bought illegally because I was a victim of Equifax data breach. I want items deleted from my credit report effectively immediately. Please help with deleting illegal accounts from my credit reports. 

As of date, Equifax or other credit agencies are not allowing access to their systems so that i can present items that are listed. My hope is that your agency can gain access Equifax portal to help to delete erroneous information listed on the report.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In researching XXXX 's notifications of late payments, I have made numerous complaints regarding Fingerhuts charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these 2 payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent items from my account with Credit Bureaus. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent items have not been adequately addressed, and they continue to persist. 

I have made multiple attempts to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent items remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent items from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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)

On XX/XX/23 I have asked the company XXXX XXXX XXXX to remove a negative balance of XXXX dollars from my credit report. I have sent letters and complained about improper use of this information on my credit report. I would like this discrepancy to be removed from my credit report.
Consumer complaint received 2024-03-31
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: Experian Information Solutions Inc. (AZ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXXK # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-31
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. (NY)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX BANK Account number XXXX XXXX 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 stares 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.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (NY)

The debt is for services rendered on XX/XX/XXXX by the XXXX XXXX XXXX. I received multiples letters from them after the date of service demanding payment. I disputed the debt each time and refereed them to my insurance company. They did not made any effort to resolve the issue or provide with documentation on services rendered, because they kept sending me the exact " Amount Owed '' letter over the course of XXXX. 

At this point they charged off the amount owed to their collections department and continued to send me letters demanding payment and late fee charges. I once again disputed the dept, referencing this is a matter between them and my insurance, and their failure to provide the documentation noted above. 

Since XXXX, I have heard nothing from XXXX XXXX XXXX and did not receive notice that " my debt '' was sold off. I had no idea who Commercial Acceptance Company until they recently filed a derogatory notice on my consumer credit account, resulting in a drop of credit score. The NY State AG contacted them and their reply was that the debt was legitimate and that they had sent my a letter on XX/XX/XXXX. 

I again dispute the original debt. I failed to receive any timely notice or documentation that the original amount owed was attempted to be collected from my insurance. I also received no notice of transfer from XXXX XXXX XXXX. The amount now owed is also inaccurate and suggests predatory business practices I believe.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

I am filing a complaint against XXXX XXXX XXXX for violations related to a debt allegedly owed to XXXX XXXX XXXX Despite my requests for comprehensive validation under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX has failed to provide : 1. A signed original contract or agreement.

2. Evidence of their authority to collect the debt.

3. Clear verification of the debt 's legitimacy. 




Moreover, there is a discrepancy in their communication, citing both " XXXX XXXX '' and " XXXX XXXX, '' raising concerns about their accuracy and credibility. 




Earlier, a similar case ( XXXX XXXXXXXX # XXXX ) with " XXXX XXXX XXXX, XXXX '' regarding this account was resolved by removing the inaccurate report. XXXX 's inability to provide adequate validation, as legally required, should result in the same action. 




I request the CFPB 's intervention to ensure compliance with federal consumer protection laws and to address this inaccurate and potentially damaging credit reporting.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Paid all credit cards off in full to save interest Credit card decreased drastically after pay off and no more interest paid Balance went from XXXX to XXXX. 
No longer paying interest on the high balance Credit card company decreased amount showing I have revolving accounts with high debts which all are our off Clearly shows since Im not paying interest on high balance it was decreased apperantly ones its all paid off