davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$17000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-15
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. (NV)

In light of discovering unauthorized credit inquiries on my credit report received on XX/XX/XXXX, I am promptly following up to insist on their removal. These inquiries, which I did not approve, persist in my credit file, detailed as follows along with an incorrect address : EXPERIAN : XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX. Certified letters have been dispatched to each listed company to declare the inquiries unauthorized with a request for cessation and deletion from my credit report. Accompanying this action is my latest FTC report, numbered XXXX.
Consumer complaint received 2024-10-04
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-05-06
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. (IL)

I did a dispute wit EXPERIAN several times indicating the error is been reported a late payment on    XXXX   XXXX  with the account with time payment company, Experian sent me the results they never fix the error  here are the documents to support my complaint as of today 's date since Experian  didn fix  my report I decide to share with CFPB .Im attaching proof of my  XXXX  payment sine Experian  report  ed one l ate in   XXXX   payment, please review my documents and let me me know when the error is been fix Best regards   XXXX   XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have received my credit report and there are several inquires that do did not have my permission to be on my report. These hard inquires are hurting me from being approved. I have already reached out to Transunion, XXXX and XXXX multiple times they keep violating my rights 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/HARD INQUIRE on XXXX credit Report is XXXX  XX/XX/XXXX, On XXXX Credit Report there are XXXX hard inquires listed that need removed are XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX . On Transunion credit Report there are XXXX Hard Inquires listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX has violated my rights and these hard inquires need removed immediately. 

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

To Whom It  May Con cern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and  XXXX   ) for  my  XXXX   XXXX  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearances, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward. I recently entered into an income based repayment plan, but my credit report still shows student loans with late payment statuses.     As a courtesy, I am requesting that Navient make a goodwill adjustment and remove the late payments for the following loans ; so that  I may q ualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   5  Late Payment s  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX     XXXX    5 L ate Payments   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX    XXXX   5 Late  Payment s  XX/XX/XXXX ,  XX/XX/XXXX  ,  XX/XX/XXXX , and    XX/XX/XXXX      XX/XX/XXXX   I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a Navient customer in good standing.     Thank you for your time and consideration  XXXX   XXXX
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

You must have known about the XXXX  charge I disputed and it was charged back on my credit card account I recently got a response on " XXXX XXXX XXXX '' from you guys that I can redispute that XXXX charge by calling the customer service. 

Calling customer service is a nightmare in your bank, I feel like XXXX XXXX XXXX XXXX XXXX XXXX, why don't you dispute the charge over here or you give me a call at my phone number because I am not able to reach any customer service agent after calling at your customer service. 

The charge in question was {$240.00} I would like to tell all of the people who was are looking at this complaint to not use this Goldman Sachs credit card- Marcus , you will be banging your head on the wall, the customer service is awful and there is no recourse of the charges you have made on this credit card if you will not receive the merchandise or the service.
Consumer complaint received 2023-11-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

My name is XXXX XXXX, I am a XXXX program participant ( XXXX XXXX with XXXX XXXX XXXX ) and previously resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ) until XX/XX/XXXX. I currently reside in XXXX, XXXX I only just learned today that a collection agency ( Fair Collections & O ) submitted derogatory information about an alleged debt owed ( {$1300.00} ) in XXXX of this year. At no time did this collection company or its employer ( XXXX XXXX XXXX ) make a reasonable good faith effort to contact me directly, either by by email mail or telephone to inform me that my resident ledger had a balance owed. 
At the time of my departure I did not owe any monies to XXXX and it remained in possession my rental deposit. During the month of XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with my updated contact information when exchanging emails that focused on scheduling and finalizing a day/time for a moving company to transport my few remaining belongings to XXXX ( I was not present in XXXX when this move occurred. ) Interestingly, the last email that I sent XXXX requesting information about returning my keys to their property went unanswered. Fair Collection & O AND their employer XXXX  were at all times in possession of my recently updated contact information and neither company made a reasonable attempt to satisfy their due diligence prior to submitting false derogatory information about their claims of money owed. Subsequently, as a direct result of this companys actions, which are in direct violation of The Fair Debt Collection Practices Act, my credit score at two major credit bureaus had decreased XXXX and XXXX points. Where are my consumer protections please?
Consumer complaint received 2023-07-15
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. (FL)

The following inquiries reflecting on my TransUnion report are invalid and not authorized : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 Despite countless interactions, and requests for these to be removed.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent the XXXXhree credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete 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
Consumer complaint received 2024-03-15
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. (TX)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Upon reviewing my credit report, I have discovered certain inaccuracies in the following item ( s ) : 1. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Other information I would like changed XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 



Best Regards, XXXX XXXX
Consumer complaint received 2023-11-23
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)

XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost XXXX XXXX  from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!
Consumer complaint received 2018-05-17
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)

This complaint is filled due to the fact of this being an ongoing issue and Experian has violated several laws in dealing with this matter.

I filed a dispute with Experian for the collection placed on my report by XXXX XXXX. it was investigated, found to be cause for deletion, was deleted and a few months later was placed back on Experian without providing me with the 5 day notice of reinstatement, as is per Law requires.

And stated by U.S. Law 73 Am Jur 2nd, sections 90 & 93 States that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect and then claim successor in rights and interest. Thus when an original creditor sells a debt they give up the rights to collect on that debt, but they do not give those same original rights of or to collect ( ion ) to the collection agency.

And are clear that a 3rd party can not be substituted onto any agreement without the request from the consumer to act on their behalf.

send a copy of the signed authorization by you allowing them to collect information and make any communication about you to the credit reporting agencies.

I have never authorized this company to collect or share any information about me. I have no contract with this company and have never requested any money nor services from them. They have no legal right to be on my credit report. 
***Delete this now or provide the proof.

Siting case XXXX v. XXXX.

FCRA Section 603 says : ( o ) EXCLUDED COMMUNICATIONS. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account
Consumer complaint received 2023-07-15
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. (NC)

Lender keeps charging off account every month negatively effecting my credit score. I have disputed multiple times and it is being verified as correct. I have talked with the creditor. The account was charged off on 2019
Consumer complaint received 2023-11-23
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. (NY)

XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost XXXX  months from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!
Consumer complaint received 2024-10-04
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 writing to raise concerns about several issues with the credit bureau, including inaccurate account listings, unauthorized inquiries, errors in credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

Discover card is showing opened XX/XX/2020 and closed XX/XX/2020 so " XXXX '' for almost XXXX  months from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " XXXX '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed XXXX times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!