davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-14
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. (GA)

Sending this complaint as a guarantee to make sure that these XXXX remaining fraudulent inquiries will be removed from my credit reports. I have sent a complaint pertaining this issue dated XX/XX/XXXX, and I am sending another complaint again to make sure that these inquiries be removed within 15 days time. Requesting the XXXX and Equifax Credit Bureaus to please see the inquiries listed in this complaint for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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. (NY)

I noticed inquiries on my credit report that I didn't authorized or initiated. The inquiries in question shows two on the respective dates XX/XX/2023 and XX/XX/2023. I contacted their offices and I was told to file a a dispute with Equifax which I followed. However, Equifax has refused to delete the inquiries even with FTC Report and all my identification particulars sent to them.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-14
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (OH)

Last year I checked my credit report and found the debt listed with different companies. I disputed them all through the credit bureaus and it was removed. A year later which is now a different company reported this debt to my credit files and when I spoke with a person from their company he it was my debt and I must pay or it will destroy my credit which it has since it keeps being reported then taking off. They ended up sending me a paper that showed Diagnostic and codes. I had my ssn used years ago so its hard telling what that person did. Also SSN and DOB are so easy to get now of days i don't trust anyone just becasue they have that. I believe they have crossed HIPPA Laws in some way. Why would they keep removing and adding it? So they can keep hurting my credit! Its wrong especially when the credit bureaus removed well over a year ago. 
Company is : Debt Recovery Solutions
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kashable LLC (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.
Consumer complaint received 2023-06-07
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. (PA)

I have been a customer of XXXX for over two decades. 

I had alwasy used my own credit cards. 

I was recently offered a XXXX credit card which turned out to be offered from XXXXXXXX XXXX. The offer claimed there would NOT be a HARD ENQUIRY. 

Because of this, I accepted the offer and received a Card.

However, I found out later that my credit file showed this as a HARD ENQUIRY, thereby adversely affecting my credit score.
Consumer complaint received 2023-10-14
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. (TX)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-14
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NJ)

GM Financial was paid in full in XX/XX/2018. I have called, disputed it with the credit reporting agencies, ( XX/XX/2018 ) that the loan is paid in full but still shows open on my credit report. When I called GM ( XX/XX/XXXX & XXXX ) they states that they didn't do updates bcuz they were switching over to a new system which is unacceptable to me. It has affected my credit. When the credit reporting agency contacted them they told them it will be corrected but it's been months and it's still not reported correctly. I called XXXX again ( XX/XX/XXXX ) today & they are still giving the same story. I was also told in XXXX, I will get a Paid If Full letter, it was not generated so I requested it again today. I'm trying to get a mortgage & having 2 open car loans when I only have one is a issue. It's showing my debt higher than what it actually is. Please help. Consumers should not be penalized for XXXX XXXX issues
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

I filed a complaint with you against Pressler & Pressler and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, XXXX XXXX XXXX ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.
Consumer complaint received 2023-10-13
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. (FL)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-14
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. (TX)

This account was reporting inaccurately on Equifax. The balance was reflecting {$99.00} but should have been {$0.00} and instead of removing the account as requested per FCRA law, they updated the balance to {$0.00}. This account has been removed off of XXXX and XXXX and should have been removed off of Equifax as well.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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
Consumer complaint received 2023-10-14
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. (OK)

I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with Experian concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXXXXXX  and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX  to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXXXXXX  at XXXX. Later that same day, I called XXXX and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXXXXXX  XXXX  did  a payment adjustment in the amount of {$520.00} on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXXXXXX  which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the XXXX  application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXXXXXX  and posted on XX/XX/XXXXXXXX  in the amount of {$520.00} pursuant to my phone call the previous day to XXXX, another payment in the amount of {$520.00} was returned unpaid by XXXX  on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXX. XXXX  XXXX XXXX had already done a credit adjustment for the duplicate payment of XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  which was shown on the XX/XX/XXXXXXXX  statement. This was clearly a XXXX  error. I am being unjustly penalized due to their actions. See attachments. I made payments to XXXX  for XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. Thank you for your consideration of this matter.
Consumer complaint received 2023-10-13
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. (FL)

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 XXXX 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 2024-04-05
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 dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-07
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (TN)

IMPROPER COLLECTIONS ON CREDIT REPORT PAYMENT HISTORY LISTED ON CREDIT REPORT UNAUTHORIZED THERE ARE SEVERAL ACCOUNTS OVER 7 YEARS OLD SOLD TO COLLECTION AGENCIES. 
INACCURATE DATES OF ACCOUNT OPEN DATES : EXPERIAN * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS INACCURATE. 
XXXX, XXXX STATED I HAVE A CHARGED OFF AMOUNT OF {$450.00}. THIS IS INACCURATE. I WOULD LIKE TO SEE BAN STATEMENTS THAT I HAVE PREVIOUSLY REQUESTED ALONG WITH SIGNED DOCUMENTS OF WITHDRAWLS AND OVERAGES ON THE ACCOUNT. I NEVER RECEIVED THIS INFORMATION AFTER DISPUTING THIS ON THE EXPERIAN APPROX. 2 YEARS AGO. I HAVE ALSO TRIED GOING TO THE BRANCH AND FOUND THAT IT HAS BEEN CLOSED. I NEED SIGNED DOCUMENTS PLEASE BECAUSE IDENTIFICATION IS NOT ALWAYS REQUIRED INSIDE OF YOUR ESTABLISHMENTS. ALSO MY EXPERIAN REPORT STATES THAT THERE IS NO DATA AVAILABLE FOR XX/XX/XXXX UNDER MY PAYMENT HISTORY. PROVIDING ALL OTHER MONTHS BEFORE AND AFTER XX/XX/XXXX IS AVAILABLE ABOUT THE ALLEDGED DEBT I OWE. 
XXXX XXXX XXXX  CREDIT CARD ACCOUNT REPORTS MY CREDIT LIMIT WAS {$230.00} WITH A BALANCE OF $ XXXX IS INACCURATE. MY CREDIT LIMIT REPORTED BY XXXX XXXX IS INACCURATE AND SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX REPORTS ON MY EXPERIAN REPORT THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER MY PAYMENT HISTORY REFLECTS PAYMENTS RECEIVED IN XXXX XXXX AS WELL AS XX/XX/XXXX THIS INFORMATION IS NOT ACCURATE AND GIVES CONFUSING INFORMATION ON THE PAYMENT HISTORY AND IS INACCURATE. THIS INACCURATE REPORT SHOULD BE REMOVED FROM MY REPORT AS WELL. 
XXXX XXXX STATES THAT THE ACCOUNT HAS BEEN CLOSED AT CREDIT GRANTOR 'S REQUEST AND THIS IS INACCURATE. I CURRENTLY HAVE A OPEN ACCOUNT WITH A {$200.00} CREDIT LIMIT AVAILABLE AS OF XXXX XXXX PER XXXX WEBSITE. THIS INFORMATION ABOUT ACCOUNT BEING CLOSED REFLECTES NEGATIVELY ON ME AND SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
*