davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
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. (IL)

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

Account Name XXXX XXXX XXXX XXXX  Account Number # XXXX, Account Name XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXXXXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-07-25
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. (CA)

On XX/XX/2023 I submitted an investigation results to all XXXX credit bureaus regarding late payments reporting on my both my XXXX XXXX account and XXXX XXXX. These late payments are reporting in error and creating financial hardship. I never heard from the credit bureaus. I resubmitted my complaint again on XX/XX/XXXX by mail after calling them only to find out nothing had been done. I called them again on XX/XX/2023. The credit bureaus have no interest in assisting consumers and refuse to investigate. If you get someone on the phone within a half hour you are lucky and those that take the calls simply tell you to resubmit as there is no change. I attempted to get a supervisor or XXXX on the phone and was left on hold and then disconnected. The above happened with all XXXX of the credit bureaus. The bottom line is that I was not late paying my accounts and want both XXXX XXXX and XXXX XXXX corrected immediately. Thank you
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report and was shocked to find out that I have become a victim of identity theft. There were numerous accounts that did not belong to me as the consumer. This has been hurting me as I'm in the process of buying a home for my family. Remove these fraudulent accounts off my credit report as soon as possible.
Consumer complaint received 2023-07-25
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. (CA)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

My name is XXXX XXXX XXXX, I am formally filing a complaint against Bank of America. The purpose of this communication is to address a matter related to XXXX accounts maintained within her institution, which I have marked as late for the month of XX/XX/XXXX. 

The sequence of events unfolded as follows : Initially, I was receiving consistent notifications and reminders in relation to the aforementioned accounts. However, an abrupt cessation of these communications transpired, prompting me to initiate contact with your customer service representatives. Regrettably, I was informed that my accounts were current and devoid of any delinquencies. It wasn't until I undertook a review of my credit reports that I ascertained the presence of belated negative annotations. 

It is important to highlight that my association with Bank of America dates back to XXXX, during which time I have diligently fulfilled all financial obligations in a timely manner. This impeccable record of punctual payments is manifest across both accounts in question. 

The implications of this erroneous situation have been profoundly detrimental, exerting a cascading impact on both my financial circumstances and emotional well-being. Of particular note, the adverse effects extend to the denial of various loan applications, thereby exacerbating the distressing repercussions. 

In light of the aforementioned circumstances, I beseech Bank of America to undertake the expeditious removal of the negative annotations affixed to both of my accounts. I firmly believe that the rectification of this predicament will facilitate the restoration of my financial stability and alleviate the considerable distress endured. 

In conclusion, I anticipate a timely and diligent response from Bank of America in order to rectify this situation and mitigate the deleterious consequences that have transpired. I look forward to a swift resolution of this matter.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you because I recently did an investigation on my credit report, which is causing damage to my credit score.Which is causing severe XXXX upon me. I have found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct and needs to be removed immediately. Under 15 U.S.

Code 1681e ( b ) ( b ) Accuracy of reportWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. I really appreciate your help with this situation and hope to be resolved as soon as possible.

1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, XXXX XXXXXXXX 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
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WA)

After receiving suspicious emails over a period of time from XXXX, when I did not have an active account, I sent them to their company XXXX XXXX  and then also called them to make sure that there was no active account with my name and email. At first I was told there was indeed a verified account in my name and that it could not be closed down. Then after a number of calls and emails back and forth, one of their operators confirmed that I would get no further emails, in XX/XX/XXXX by phone. Then on XX/XX/XXXX, I received the attached letter via XXXX Mail from a company called American Coradius International. Stating that they were trying to collect a debt for XXXX. 

I have never owed money to XXXX. I do not have a credit account with them, and have not used their service in YEARS!! 

I called XXXX on XX/XX/XXXX, and XXXX XXXX filed two claims on my behalf XXXX, and XXXX and stated I would hear from them in 3-5 business days about next steps. When I did not hear from them by XX/XX/XXXX, I called them again. I was told by XXXX ( # XXXX ) that I owe them no money and not to call the phone number on the letter I received from XXXX. I was told that they were continuing their investigation. 

So now, not knowing what to do and not wanting to call this company who sent me a letter asking for money that I don't owe, I am sending this to you. I don't know what else to do, I don't know if I am being scammed or a victim of fraud at this point. 

Thank you for your help.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (TX)

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have disputed these accounts several times with Experian and each time they have return a letter stating they belong to me and that they have been verified. NO method of verification has ever been mailed to me or provided online. These accounts have been sold and are reporting with an active balance each month as if they are open past the 180 days statue limitations. They are violating my FCRA rights by doing the following. 

C/O are repeatedly reporting every month Not reflecting a XXXX after accounts have been sold Date of first delinquency was allegedly changed Changes made after XXXX charged off status I want the following accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00}
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax Confirmation # XXXX XX/XX/XXXX has XXXX XXXX is over 7 years old and Equifax has the account showing by Equifax as XX/XX/XXXX with no activity and the account was sold. 
Eqiufax also has incorrect information as date reported XX/XX/XXXX last Activity showing XX/XX/XXXX by Equifax there was or no XX/XX/XXXX reports of no such account and as account history shows XX/XX/XXXX as last stated by EquifaxTo many errors on Equifax reporting methods and dates.
Consumer complaint received 2023-05-01
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

RADIUS GLOBAL. 
XXXX XXXX XXXX, MN. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL. XXXX XXXX. XXXX XXXX. XXXX Has called multiple times calling about XXXX debt that I did not have contract with and I had as requested XXXX to stop service and they kept charging me. Also I have not lived at that address going 2 years now. I requested " cease and desist ''. They have called 12 times in the last 4 months. This is clearly harassment and I do not owe this company or XXXX and would like a monetary settlement.
Consumer complaint received 2022-10-21
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. (NY)

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 2023-04-30
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. (NY)

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Equifax to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2022-10-21
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. (FL)

15 U.S.C 1681 section.602.A.States i have a right to Privavcy To Whom It May Concern I did not Authorize anyone employed by these companies to any inquiry and view my credit report.This is a vi olation of the of Fair Credit Reporting Act Section 1681b ( c ) and a seriuos breanch of my privacy rights
Consumer complaint received 2023-08-10
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. (VA)

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!