davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (TX)

I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX  months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I recently disputed 4 items on my Equifax Credit Report from the following creditor : XXXX XXXX XXXX Accounts ending in XXXX. XXXX, XXXX and XXXX. The items have inaccurate information in regard to past due status and history. The student loans were included in US Department of Education Fresh Start Program which required the deletion of default and negative history on rehabilitated student loans. The loan service is no longer operating to provide the updates to my credit report so how is Equifax in good faith verifying this information is accurate. In addition, these loans are reflected accurately on my XXXX and XXXX credit reports. I am including in the attachments a copy of the closed dispute from Equifax. I am also including a copy of the letter from the US Department of Education stating that these loans have been rehabilitated and I have included proof that XXXX XXXX XXXX is no longer operational.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

There is an address reporting on my Equifax Credit Report that is not mine. 
Below is the address that I would like to have permanently deleted from my Equifax Credit report : 1. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-06-20
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. (GA)

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXXXXXX XXXX ( 2 Accounts with them ) Account Number that shown XXXX Account 1 Opened XX/XX/XXXX and amount is {$470.00} Account 2 Opened XX/XX/XXXX and amount is {$1000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Consumer complaint received 2023-05-30
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-03-22
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. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2023-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am adding more information to my previously submitted complaint # XXXX After doing more research regarding this Bank of America Account holder ( fraudster ), that they operate in a gang stealing cars from car rental Companies, & after preparing fake fraudulent Finance contracts to get financing from different banks, credit unions insuring vehicles, registering vehicles in XXXX New Jersey Pennsylvania XXXX XXXX bribing XXXX personnel XXXX these states producing fake vehicle title. A strange thing I noticed when I pulled XXXX records that they operate under XXXX companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Title of these companies is XXXX, No name of the Owners listed in XXXX division of Corporations. I am sure when they recieve these wire transfers into their Bank of America account they withdraw all funds right away in XXXX. Bank of America is ignoring all security protocols of a Business why these fraudsters are pulling all this XXXX. 
When I register my business in Florida division of Corporations XXXX, I have to provide my name Title & address. 
These fraudsters should be behind bars Before they hurt/victimize more people Bank of America should be more vigilant & follow Account opening protocols, Bank of America should flag these 2 companies accounts Audit them ASAP instead of ignoring & protecting their fraudsters business account holders. Once these fraudsters receive wire funds in their account they never ship product stop answering phone calls text messages. They keep changing phone numbers. Here are their phone numbers. 
XXXX XXXX XXXX I am sure Bank of America should have account holders ID or Drivers License. When this fraudster open a Business account XXXX XXXX XXXX. & XXXX XXXX XXXX.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I have contacted XXXX XXXX directly and provided police report, representatives were very rude and not helpful. Prior to this I have sent mutiple letters in regards to this issue. I have never had furniture with XXXX XXXX nor have I lived at XXXX XXXX XXXX. That address is also in my police report. This is in regards to account XXXX XXXX account XXXX.
Consumer complaint received 2023-08-12
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: LEXISNEXIS (TN)

On XX/XX/XXXX, I received a letter from LexisNexis stating that I disputed a Bankruptcy on my consumer report for inaccuracies. They reported that they verified this Bankruptcy matching it to my address and social security number through an electronic system called PACER. Now with that being said I have a right to privacy under the privacy act of 1974 which clearly states that you can't report any information about me from a system of records without my written authorization or consent. I never gave such consent to LexisNexis, meaning they are violating the law. They even admitted to this blunder in the letter they submitted to the CFPB.

PACER is the system of record for bankruptcies. Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. This service, offered by the Federal Judiciary to allow public access to court information, provides up-to-date information about the status of bankruptcy matters, including information about the parties involved in a case.
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

XXXX XXXX XXXX my credit score credit report everything is incorrect.I have XXXX  sister named XXXX XXXX. We both have different social insurance number. Different credit cards different stuff. But my account has all her cards her enquires affect my score and my account.same thing with her as well she can see all my cards and enquires.which means even though we are 2people with two accounts.credit monitoring company made it all together .from now on whenever am trying get a car loan or house loan its coming my way. We both cant get to anything. I tried calling XXXX and XXXX several time did even mailed them a letter to Toronto.nothing is happening and its really frustrating.credit monitoring has to take this responsibility of making such a huge mistake its really affecting my identity
Consumer complaint received 2024-03-22
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. (CA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2023-05-23
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: Avant Holding Company, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-08-12
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (CA)

I submitted a dispute with Chase Bank company on multiple dates over the last 6 months. 

I Checked my credit report on XXXX, XXXX, and XXXX and it has not marked as disputed, So I am unsure if the company is following The law 15 U.S. Code 1692e - False or misleading representations Section 8 : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

Here is my account info during investigation I want this account XXXX XX/XX/2016 deleted
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX* Balance : {$0.00}
Consumer complaint received 2024-03-22
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. (NY)

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 num XXXX XXXX XXXX XXXX, has violated my rights.

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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reached out to XXXX, Equifax and XXXX regarding accounts that should not be on my credit report that have been reported as identity theft. The accounts have not been removed and the company has not provided documents to validate that these accounts do belong to me after requesting.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the late payment
Consumer complaint received 2024-03-22
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. (CA)

These accounts were charged off on the following date XXXX XXXX XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with XXXX and TRANSUNION but stats closed with XXXX which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.