davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

transunion you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU
Consumer complaint received 2022-11-03
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. (CA)

i XXXX XXXX, natural person am submitting this complain on my behalf, no one is helping me, i am going about this on my own, i have attached a copy of my id, & my dispute letters in pdf form I would like to also remind you ; you are in violation of 15 u.s. code 1681N
Consumer complaint received 2024-04-01
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX reported my collateral loan # XXXX 30 day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have disputed XXXX XXXX XXXX with XXXX. XXXX did a proper investigation and deleted this account from my credit report on XX/XX/20. 

However I have been disputing this same account with Experian and submitted overwhelming exhibits/ proof that this account is inaccurate and considered operating under false pretense. Fraudulent and misleading the public as well. Company is a scam. 

This is my final attempt with Experian before a lawsuit may be filed against Experian for improperly investigating my dispute under the FCRA. XXXX XXXX XXXX has not even replied to the FCRA. This is simply because the are not conducting a legitimate business.
Consumer complaint received 2022-11-03
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. (MI)

I had my identity stolen from XXXX XXXX also from another institution about 5 years ago. Transunion reported XXXX  phone said i owe {$210.00} for phone service. I have been with XXXXXXXX XXXX phone service for XXXX years. I found out about this through credit monitoring service i was supplied by the XXXX for free because my identity was stolen i didn't open this account, I don't know the phone number or account number. I have great credit almost XXXX. This reported dragged my credit down about XXXX points. Please help me get my credit restored. Trans union will not help. I filled 3 disputes. Also the collection company will not return my call.
Consumer complaint received 2022-11-04
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)

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, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (OH)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir or Madam, XXXX XX/XX/XXXX, an identity thief opened a credit card in my name with Bank of America. 

I attempted, as per the 2003 FACT Act, to obtain the application information that the scammer used to open this credit card. I certified mailed out a completed form, a copy of my FTC Identity Theft Report ( Report Number XXXX ), and copies of my driver 's license and social security card to Bank of America 's Victim 's Assistance Unit post office box in XXXX, Arizona. According to the XXXX 's tracking, my letter was received on XX/XX/XXXX. 

The Fraud Application Department then, over the course of the next two months, refused to tell me whether or not my information had been received and entered into the system. A supervisor told me it could take up to two months, and therefore I needed to wait until XXXX for an answer to my question. 

On XX/XX/XXXX, I contacted the Fraud Application Department at the Bank of America and told them I had heard nothing. They said I would need to re-send the information, and this time I should fax it. On XX/XX/XXXX, I did so. 

I waited, as per the instructions of " XXXX '' at the Fraud Application Department, for 5 full business days and then called and asked if they had received my application. I was told the " analyst '' was out, and I should call back in 48 hours.

Then, when I did call back in 48 hours, " XXXX '' told me that it could take up to 30 days for an answer. 

It is clear that Bank of America is simply not processing repeated requests for information under the 2003 FACT Act. I need your help in forcing them to abide by the law.

Please let me know what further information you need. My phone number is ( XXXX ) XXXX, and my e-mail address is XXXX. Thank you. 

Yours truly, XXXX XXXX
Consumer complaint received 2021-03-14
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-07-29
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. (AR)

It has come to my attention that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX ; XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX Opened XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX XXXX Opened XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; EQUIFAX MORTGAGE SERVICE XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX 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 2021-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

I previously disputed with this company to provide me with my HIPPA release form that I signed to see where did I gave permission to this or other 3rd party company to have my medical records. They said they were not breaking any rules and I disagree it is a violations to my right for any 3rd party collections to even have my medical record and I will be reporting this HIPPA as a recommendation by my lawyers and will get ready to follow suit thereafter. 

On the breakdown fees it shows what they did to me and that's private and sensitive information that only my doctors and I should know but unfortunately you also have this information WITHOUT MY PERMISSION!! 

I want them to send me my HIPPA release form to see where does it say I gave permission to them to have my medical records so please provide a copy of my signature Asap. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel very disappointed with this company and I'm ready to file a lawsuit if nothing changes
Consumer complaint received 2022-11-04
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. (IL)

I recently received a copy of my ( XXXX, XXXX, Equifax ) credit report, and noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX- ACCOUNT NUMBER : XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All three of the credit bureaus are in clear violation of the law. Under 15 U.S.C Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six month, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2022-11-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( 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 4 business days after the date of receipt.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (GA)

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (GA)

I have contacted the 3 credit bureaus equifax, XXXX, XXXX about incorrect information on my credit report and they never respond or never remove the information thats incorrect on my report Ive called and mailed them at least the last 6 months 7 or more times Im so frustrated with this I dont know what to do its ruining my reputation They are violating the law my right to privacy and my right to fair credit reporting USC 15 1681
Consumer complaint received 2022-12-08
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. (PA)

I am writing to delete the following information in my file. The items I needed deleted are listed in the report attached. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-04
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. (CT)

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
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. (CT)

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-13
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. (HI)

Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX ****XXXX ; 3. XXXX XXXX ****XXXX ; 4. XXXX XXXX XXXX ****XXXX ; 5. XXXX XXXX ****XXXX ; 6. XXXX ****XXXX ; 7. XXXX XXXX ****XXXX ; 8. XXXX XXXX ****XXXX ; 9. XXXX XXXX ****XXXX ; 10. XXXX ****XXXX ; 11. XXXX ****XXXX ; & 12. XXXX ****XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX ****XXXX, XXXX ****XXXX, & XXXX XXXX ****XXXX ). However, I have noticed that the information being reported on my credit reports by Equifax is incorrect. Equifax shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Equifax for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Equifax claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.