davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
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. (GA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2023-08-08
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. (TX)

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 correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

According to XXXX XXXX, TransUnion is reporting credit score/credit history from 6+ months ago. When I log on to TransUnion account, I am unable to get a copy of full credit and in order to see my credit score on TransUnion, it prompts me to pay.
Consumer complaint received 2023-09-26
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. (RI)

There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, 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. (GA)

XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (VA)

I did not know that Pro Collect was in pursuit of a debt collection until I checked my credit report and seen a derogatory remark. This was placed on my credit report XX/XX/XXXX and I noticed the remark on XX/XX/XXXX. They were working with XXXX XXXX XXXX. I went to court with XXXX XXXX on XX/XX/XXXX and believed that the matter was settled there. I called Pro Collect today, XX/XX/XXXX and was asked for my social security number, full name, address, and was told that I owe over {$4000.00} of debt. I did not know of such debt until this month and had not received any prior notification by phone nor mail. The representative informed me that even if I were to pay the amount in full, they will not remove this from my credit report. Additionally, I was informed that they do not have any payment programs and that there is nothing that can be done to help me except for me to pay the amount in full.
Consumer complaint received 2023-05-01
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. (FL)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX, XXXX and Transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports. Date of last payment is all not correct on all 3 credit reports. 

Which is a violation. This is impacting me from moving forward to buy a house. 

I attached my report to show how Transunion is violating my rights.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, 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. (AL)

[ 15 U.S.C. 1681 ] ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system on these days my credit was fraudulently used. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: NRA Group, LLC (NY)

I have reached out to this company on XX/XX/2023 via us mail, i have also reached out to this company via CFPB. National recovery agency responded with a Frivolous response. This company has lied and stated that i sent Cease and Desist so they were not able to respond, In my cease and Desist i made my DEMANDS very clear to only be contacted via us mail and CFPB. This company has tarnished my name and general reputation, disregarded my request to not communicate with me in any form including reporting alleged debt on my consumer report, reporting to consumer reporting agencies without my consent and having my Non public ( private ) information. National recovery agency chose what to abide by in my cease and desist demand letter and continued to report alleged debt without providing me the proper verification. I am now requiring monetary relief with depletions of alleged debt on my consumer resorts. Due to false reporting, ignoring my cease and Desist demands, and not having my prior consent to report such alleged debt!
Consumer complaint received 2024-06-13
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. (LA)

Experian and XXXX reporting a collection from XXXX XXXX saying that XXXX XXXX is the original creditor. I have never had a XXXX account, I contacted XXXX XXXX and they stated that they have no information on me ever having an account with them. I contacted XXXX XXXX and I was told they could not have it removed because they can't pull up an account without an account number and that nothing pulls up in their system from my name or social security number. This account does not belong to me.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

In 2021 I received a debit card for unemployment a boa prepaid debit card I'm supposed to have a balance of XXXX on there which I never received any of the money at once it was put in multiple payments I only spent a little bit of the money as they closed my card over and over and over again and told me to verify in the bank with two forms of ID in California which I now live in Idaho because I had to come home because I was homeless and broke with my account frozen over and over again I'm still trying to resolve this matter as the EDD just closed my account because of a another fraud thing I don't know really the whole thing is just a big mess the money was stolen out of my account by fraud when I didn't even have an active card on file I still don't have an active card on file and I was trying to dispute the money they denied every claim I made made me wait 90 days for an answer and still never got it cleared up I am still walked out of my account still trying to get back in it I still have to clear my ID check with the EDD to even be able to start the dispute process with Bank of America again on the card and it's two years in the making now and I'm still looking for some kind of resolving I'm filing this complaint because as soon as I verify my identity with EDD again I'm afraid the Bank of America will put another lock on my account so that I can't start the dispute process for the third time I'm very tired of doing this and now I have to pay taxes on that money that I never received because it was all taken out of my account by Bank of America and so I'm going to upload my documents as soon as I can and try to get this straightened out so I can pay my taxes on this money that I never received that was stolen and I need to start this dispute process all over again and it's going to be a wreck so I'm going to file this complaint so you guys know what's going on and I hope to get this resolved as soon as possible Bank of America is impossible that have just been back and forth with EDD Bank of America EDD Bank of America it's just a never-ending battle
Consumer complaint received 2023-08-03
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXXDEPT OF ED XXXX XXXX : {$9000.00}
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-23
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. (IL)

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 XXXX Account Name : XXXX XXXX Account 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 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by TransUnion LLC XXXX I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b.

I have recently reviewed my credit report obtained from TransUnion and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

On XX/XX/XXXX, I spoke with a rep about fixing deferments on my student loan account. At that time, I was assured that all of my loans would be out of deferment, per my request. One of my loans is still showing in deferment. I have sent messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to again to have the deferment removed. I have not heard back from them yet and that loan is still showing deferment. 

Further, from XX/XX/XXXX thru XX/XX/XXXX, all of my loans were in repayment. I had dropped out of my XXXX program in order to consolidate ( can't consolidate loans in deferment ) all of my loans. The loans were successfully consolidated, but Mohela is not showing those as having been in repayment and counting as 10 months of payment.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$7700.00}
Consumer complaint received 2024-04-24
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. (CA)

XXXX has Violated my rights. 

I informed them that XXXX XXXX XXXX and XXXX XXXX XXXX  were the result of Identity theft. They were Provided with FTC reports. They did not delete these accounts within 4 days as required. They after 24 days claim the debt has been validated and have provided no proof of validation. 

12 CFR 1022.3 IDENTITY THEFT means fraud committed or attempted using the identifying information of another person without authority. 

I did not give XXXX the authority to furnish this information on my report. I have no contract with XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX. 

XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX according to 12 CFR 1022.3 have committed Identity theft. 

I was not provided with any disclosure information from all three of these institutions, because they have stolen my identity. 

This is a violation of the Privacy act of 1974 and 12 CFR 1016.7 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''