davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (NY)

Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company XXXX Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( XXXX, Equifax, and XXXX ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.
Consumer complaint received 2024-10-21
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. (PA)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/2023
Consumer complaint received 2024-10-22
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. (GA)

Dear TransUnion, I am writing to formally submit a complaint regarding a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) associated with the reporting of my personal medical information on my credit report. Account number : XXXX TransUnion is reporting an account from XXXX XXXX XXXX that contains sensitive medical information about my health status and treatment. This reporting was done without my consent and is in violation of HIPAA regulations, which protect the confidentiality of patient information and restrict the unauthorized sharing of medical records. 

Request for Action : I request the immediate removal of this account from my credit report, as its presence constitutes a violation of my privacy rights under HIPAA. The continued reporting of this information poses significant risks to my financial and personal well-being.

Impact : As a result of this violation, I have experienced emotional distress, difficulty obtaining credit, and other consequences I urge TransUnion to take immediate action to delete this account from my records and ensure compliance with HIPAA regulations. Please confirm the deletion of this account and any other actions taken to rectify this situation. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-22
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. (NJ)

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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
Consumer complaint received 2024-10-20
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024 XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024
Consumer complaint received 2024-10-22
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes
Consumer complaint received 2023-12-11
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I have reached out to the company XXXX XXXX XXXX several times i even sent certified mailed with my id proof of address and dispute letter along with ftc and police report that was received on XX/XX/XXXX according to when the slip was signed for acceptance I sent it by certified mail because first kept saying they didnt receive certain things basically giving me the run around but it was finally signed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances one they are report for XXXX and each month adding interest then the other is XXXXwhich it should not be a balance that violates the and should be removed on those grounds according to The FCRA Protects You From Credit Report Errors Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. well I have submitted where I was staying during the time period multiple fta reports and police report and confirm my identity also XXXX XXXX has given me such a hard time for the past XXXX months and their website does not allow me to log on and dispute all the other credit bureaus have removed this item however XXXX is avoiding me and I spoke with ally XXXX XXXX from fraud special Handling and she was rude and hung up on me I would like the call monitored before doing so she also told me that the forms I sent by certified mail could not be combined with the forms from XXXX XXXX that I sent it by cfpb but they are the same company why cant you use the same documents.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to bring to your immediate attention a matter of utmost concern and frustration regarding the persistent reporting of fraudulent account on my credit report. I have previously submitted clear and comprehensive evidence proving that this account was the result of identity theft. To my dismay, these fraudulent entry persist on my credit report with your bureau, despite other credit bureaus acknowledging and rectifying the issue promptly. 
XXXX XXXX  XXXX XXXX XXXX  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It is perplexing and disheartening that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged the legitimacy of my identity theft claims. This inconsistency in reporting raises serious concerns about the effectiveness of the investigation process undertaken by your bureau. 
I demand an immediate and thorough investigation into this matter and the prompt removal of the specified fraudulent accounts from my credit report. The failure to execute a proper investigation and correct these inaccuracies is not only damaging to my creditworthiness but also raises questions about the adherence to the Fair Credit Reporting Act ( FCRA ) standards.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX. And an account under XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-27
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. (PA)

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 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 2023-12-11
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. Please investigate these matters and remove the disputed items as soon as possible. In addition, I have attached a PDF document reflecting all items that were found. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-11
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. (AZ)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation (CA)

I called the office at XXXX ( XXXX ) XXXX to resolve my {$500.00} debt. XXXX XXXX was XXXX  and XXXX  in moving forward with this process demanding {$2000.00}. I asked if the website would be fixed to move forward that way to pay online. She demanded that I give her my banking information over the phone. She refused to give me the address to move forward to pay my debt. She said she would not accept my payment any other way. The website is under construction. All of this verbal abuse and sketchy behavior is something that I dont understand as a consumer. At this point I have no way of paying my debt. I sincerely hope that the call was recorded to move forward with a thorough investigation. I want to resolve this, but XXXX cant speak with XXXX XXXX due to her verbal abuse and disrespect. I contacted XXXX  and I was told that her rating is a XXXX My only purpose is to resolve my {$500.00} debt. How can I move forward?.
Consumer complaint received 2023-12-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I resided at the said residence in complaint. XXXX XXXX XXXX XXXX. XXXX GA XXXX. From XX/XX/XXXXXXXX  to XX/XX/XXXX. 
I tried in XXXX of XXXX  to pay my rent through the portal as was done previously. I was unable to do so. So i went in to the office to find out why i couldn't pay my rent through the portal and at that time i was informed on XXXX XXXX  that the management had changed hands. I was aso informed at said time that the rent was increase to an amount that I was not able to pay. I proceeded to let them know that I did not intend to renew my lease and that I would be vacating said premises on or before the term end which was XX/XX/XXXX. I was only given 15 days to either pay the increased amount or vacate. I chose to vacate because the abmountl they increases it to was out of myl reach. 
I personally took my letter to vacate to the office and handed it to the person in charge. I gave them my forwarding address so they can forward my deposit which they did not do. I moved and was gone for almost two years and did not receive any notice or claims from them until I tried to move closer to my job. That is when I found out that the laid these charges against my name on my credit file. I have all my receipts and I never signed a lease agreement with this company in question ( XXXX XXXX ) I would like for them to please remove such negative remarks from my credit report because I never did business with them. I would also ask for them to please return deposits owed to me by the previous company the took the business over from. I have my documents to show if. It is needed.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Last XXXX around the first week while trying to buy a house for my family, I found discrepancies in my credit reports with XXXX, TransUnion, and XXXX, as per 15 U.S.C. 1681. 
Since then I have been promptly contacting all three credit bureaus to address the issues, requesting the It's crucial to eliminate any fraudulent accounts promptly. requesting removal of outdated addresses, unauthorized inquiries, and the closure of erroneously reported accounts, both online and via phone communication. 
According to 15 U.S.C. 1681, such inaccuracies should not be present on credit reports as they can damage one 's reputation.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CO)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.