davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

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

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

XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On or about XXXX XXXX, 2023. XXXX XXXX fraudulently placed a Collection Account on my credit reports for XXXX XXXX and EQUIFAX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. XXXX XXXX did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. XXXX XXXX has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a XXXX XXXX with XXXX XXXX. I do not owe a debt to XXXX XXXX or XXXX XXXX. XXXX XXXX nor XXXX XXXX has never placed a inquiry of any on my credit reports. XXXX XXXX knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, XXXX System failed to report accurate information by not including data that is necessary to validate a debt. XXXX XXXX has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that XXXX and EQUIFAX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

i went to try to apply for a loan and my credit was pulled i became aware of multiple inquiaries that do no belong to me and due to these incorrect reading on my report its making it impossible for me to move forward in my daily living
Consumer complaint received 2023-02-12
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. (GA)

XXXX XXXX FINANCIAL, NCCINC/ATLANTA LUXURY MO, XXXX XXXX XXXX XXXX XXXX XXXX DEALER SERVICES, CITIZENS XXXX AUTO FINANCE, TRUIST DEALER SERVICES, ASSOCIATED CREDIT XXXX XXXX
Consumer complaint received 2024-04-08
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. (GA)

On XX/XX/24 I submitted a complaint to Equifax via CFPB and ADVISED them, not requested, that I do not give them permission to share specific information on my consumer report. Equifax responded XXXX by sending me a letter saying they could not identify me when I uploaded my ID and electric bill to the original complaint. Then their response on the CFPB portal was that information was VERIFIED by these alleged creditors and STILL requesting I send in identifying information, which I will not because I already have. At this point their response was over 30 days, additionally I want a complete description of their procedures to verify INCLUDING ANY AND ALL correspondence received from these creditors. Equifax is now being intentionally malicious and noncompliant with the FCRA by not honoring my DEMAND that they stop sharing certain information as is my right under 15 U.S.C 6802, this request was also sent to these alleged creditors. Equifax has ABSOLUTELY NO RIGHT to ignore my request to opt out and has violated me both under the FCRA and The Privacy Act. 

The Privacy Act sets forth rules and safeguards for the handling and disclosure of personal information by federal agencies, and the unauthorized collection and dissemination of inaccurate data may be considered a violation of privacy rights- I AM ASSERTING THAT EQUIFAX IS BLATANTLY NOW VIOLATING MY PRIVACY BY IGNORING MY DEMAND AND CONTINUING TO REPORT SUCH INFORMATION
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

While viewing my credit report I noticed unfamiliar account that doesnt belong to me .I understand that before any accounts or information can be furnished to the credit bureaus all information and all accounts must be 100 % accurate verifiable and properly validated I am not disputing the existing but I denied that I am the responsible debtor. I hereby that the account be. Legally, validated or be removed from my credit report immediately. 
There is a outstanding balance of {$31000.00} from credit acceptance corporation
Consumer complaint received 2023-10-20
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)

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS IS NOT ME! PLEASE SEE ATTACHED
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-12-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Real Time Group, Inc. (NY)

I had a second mortgage with a company called XXXX. I made on time payments. My automatic payments are now being collected by a debt collection company called Real Time Resolutions. The problem is I have never been late or in default with my payments to XXXX. XXXX surrendered their license in XX/XX/2022. I received a letter stating that the statute of limitations has run out on this debt. I am disputing this debt. I should not be in collections for a debt that I was consistently paying.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: First Texas Auto Credit, Inc. (TX)

On or about XX/XX/XXXX, XXXX and XXXX removed my paid in full : account for First Texas Auto Credit. First Texas Auto Credit has been reporting this account to both XXXX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with 1st Texas off in full. XX/XX/XXXX, I in writing requested that 1st TX Auto, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, The First Texas Account Credit Account was DELETED from my XXXX, and XXXX credit reports. I did not authorize or request the deletion of the 1st TX Auto Credit account. I contacted XXXX on XXXX XXXX, XXXX and requested that the First Texas Auto Credit account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact 1st TX Auto Credit and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at 1st TX Auto Credit and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( 1st TX auto ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by 1st TX Auto. At this time. The 1st TX Auto Credit is currently missing from both my XXXX and XXXX credit reports. The account was removed from my credit reports without my consent. The 1st Texas Account had been on my credit reports for at least three and a half years before this account was deleted without my permission.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

On or about XX/XX/XXXX, EQUIFAX and XXXX removed my paid in full : account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting this account to both EQUIFAX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, I in writing requested that XXXXXXXX XXXX XXXXXXXX, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account was DELETED from my EQUIFAX, and XXXX credit reports. I did not authorize or request the deletion of the XXXXXXXX XXXX XXXX XXXX  account. I contacted XXXX on XXXX XXXX, XXXX and requested that the XXXX XXXX XXXXXXXX XXXX account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called EQUIFAX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact XXXXXXXX XXXX XXXXXXXX XXXX and request that the creditor place the account back on my credit report at EQUIFAX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( XXXXXXXX XXXX XXXX  ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by XXXX XXXX XXXX At this time. The XXXX XXXX XXXX XXXX  is currently missing from both my EQUIFAX and XXXX credit reports. The account was removed from my credit reports without my consent. The XXXX XXXX XXXX had been on my credit reports for at least three and a half years before this account was deleted without my permission.
Consumer complaint received 2023-10-20
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. (NJ)

I am writing to delete the following information from my consumer credit report. The items to be deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted as soon as possible to correct my consumer credit report. I reported this theft to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently check my credit report and i notice there were a few fraudulent inquires on my report. i have contacted transunion to have them remove but they refuse to do so. now we are here. these inquiries were place on my report in the month of XX/XX/2023. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Both these inquires are fraudulent
Consumer complaint received 2021-04-03
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 — Investigation took more than 30 days
Company: CONGRESS COLLECTION CORP (MI)

I reported an invalidated debt on my XXXX  credit report from the credit reporting agency, Congress Collection. This company has failed to report an accurate account of the balance, and has not removed this derogatory remark from the credit file. Further, this account has been paid in full - Confirmation # XXXX.
Consumer complaint received 2023-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Recent Dispute Dates : XX/XX/2023 Reason : Dispute XXXX of the credit card that doesn't belong to me. The credit card has due pay for over 150 days. It severely damaged my credit score. 

Actions I have taken : I filed multiple disputes regarding XXXX of the mis reports of the credit card that doesn't belongs to me. The XXXX told me they did investigation and won't change the record. 

I also called BofA to help correct it, my XXXX XXXX got back to XXXX in XXXX after I call BofA. 
But somehow the wrong bad record comes back to my report again, decreased my score to XXXX. 

It is so obvious that the owner name of the card is not mine, and I double confirmed with BofA that even the XXXX of the card is not mine as well. 

The XXXX refuse to give out details of how they do the investigation, how they ignore the obvious mistake on the record.
Consumer complaint received 2023-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (CA)

On XX/XX/XXXX I noticed around XXXX points were deducted from my credit score. 
XX/XX/XXXX : I saw that on XX/XX/XXXX ATG Collections had opened a derogatory account against me attempting to collect {$650.00} in medical charges from a service in XXXX. 
XX/XX/XXXX : I called the original creditor, XXXX XXXXXXXX, and they confirmed with me that my account has already been resolved with remaining balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX and was also told my balance has been resolved as well. XXXX said that I as a XXXX  patient am not financially responsible for any medical bills and that even in the event that my insurance does not pay ( in part or in full ), the creditor must absorb the rest. They have sent me a " Resolution of Your Grievance Request ''. 
I also called ATG and they told me that XXXX XXXX would have to directly contact them to confirm the resolved account. XXXX  XXXX told me that ATG would have to contact them directly to request that. It has been a back and forth ever since with neither side willing to contact the other directly for confirmation. 
Between XX/XX/XXXX and XX/XX/XXXX I called and asked ATG for verification of debt. They emailed me an itemizied statement from XXXX  XXXX that showed the charges, the sale of debt write off to ATG and the subsequent insurance payment/settlement. I have attached this document below. 
XXXX : I called ATG and asked to speak to their manager XXXX. She was unavailable and told her rep to tell me that this itemized statement from XXXX  XXXX was not acceptable. She insisted that only an EOB from my insurance would be accepted as proof of my resolved account. XXXX XXXX said that this was the responsibility of XXXX XXXX who fall under XXXX XXXX. Their investigation showed that this bill was not found in their system. They called XXXX  XXXX and spoke with XXXX on XX/XX/XXXX who said the issue with my account has been resolved and now shows {$0.00}. 
From XXXX I have opened 4 disputes online : 2 with XXXX, 1 with XXXX  and 1 with XXXX. Both XXXX  disputes came back incorrectly showing I still owe {$650.00} to ATG. This is misrepresentation and ATG seems unwilling to update my account and stop trying to collect from me despite documented evidence provided to them.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (CA)

in XXXX my XXXX  credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX  requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-11-06
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "