davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (OH)

On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for US bank and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with US bank and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-11
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. (FL)

Hard Inquiries that i don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02
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. (IL)

My personal information was stolen in 2017 Equifax Data Breach, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX, FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever 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.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-02-08
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. (NC)

XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX. I requested that both accounts acct # XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
XXXX never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character XXXX XXXX is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All XXXX accounts are to be removed from my credit report Per 15 USC 6802. XXXX has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX, XXXX XXXX, XXXX, Transunion, XXXX XXXX, XXXX XXXX XXXX etc.
Consumer complaint received 2018-03-20
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. (AL)

I formerly requested that both XXXX and XXXX remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and XXXX, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.
Consumer complaint received 2023-01-02
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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 XXXX
Consumer complaint received 2023-07-04
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. (FL)

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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

on XXXX XXXX, I bought into a special discounted rate for season passes at XXXX XXXX over Georgia and paid {$64.00} total that day on a {$150.00} total price ( {$40.00} of which was not required ) On XXXX XXXX and XXXX XXXX my card was charged {$14.00} both times for a total of {$94.00} in all, sometime in XXXX my credit cart company sent a notification about a charge to my card I had not made. 
That card number was canceled and I got a new card, for whatever reason it took me XXXX or XXXX weeks to get a new card, ended up with XXXX replacement cards showing up all at once within the same week. 

XXXX XXXX emailed me about the card not working, I responded with a explanation as to why and what was taking place ( I 've yet to set foot within XXXX miles of the park yet ) Once I did get a replacement card in hand I tried finding the email from them to give the proper card info. I looking for email, I found XXXX from them stating my privileges for said passes had been deleted or restricted. 

From the time I bought tickets until this, my XXXX had a XXXX, would n't be able to go anyway. I decided to accept the {$94.00} loose on the {$150.00} purchase ( with only {$59.00} left to pay ) and move on. 

then I was notified by Equifax that my credit score had taken a hit due to a account being placed into collection?? I had no idea what this was due to only that my score took a XXXX+ point dive. I found the issue with XXXX and reported it to them, since then nothing has been done as I expected. 

p have XXXX issues on my credit report that are incorrect I have sent documentation showing this, nothing happens to fix it or worse it gets handed over to a different collection company to hit my score again, I 've been dealing with some of these issues since XXXX I kid you not. 

I 'm tied of spending money trying to fix this, talking to people who cant or wont fix issues where I have shown them documents proving my case only to hear " we only report what they sent us, their report outweighs your conflicting dispute info. 

In XXXX I had XXXX disputes where both XXXX XXXX XXXX and XXXX both said I owed them {$480.00} for a cell phone, sent receipt where it had been returned within time limit, they answered each dispute with a new collection agency for Years XXXX my credit score taking a XXXX point hit each time, XXXX times each year times XXXX, well over a XXXX point hit. I finally contacted the FCC and they fixed the issue neither company or Equifax would fix BUT I never got any points put back to my account that were stolen from me. 

the whole big XXXX credit reporting agencies I paid well over {$2000.00} to over the last XXXX  years has beena waste and a bad joke and to add to it, they do not care.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (FL)

I am having a problem with my student loan provider Sallie Mae. I am XXXX XXXX  and I am XXXX XXXX XXXX I have told them I am iXXXX XXXX  I have mailed them deferment letter. I have uploaded the deferment letter. I have called them. They insist I am past due when I am in school full time. They have reported me to the credit bureau and destroying my credit,
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 2020
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, Transunion, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX has on my credit report, me owing them close to {$2500.00} and it is seriously damaging my credit report. I went from about a XXXX to a XXXX because they are saying I am responsible for my debt. The debt belongs to my sister and I was only an authorized user. How am I responsible for this debt and why do I have to pay it? This is unfair and I wish for you to investigate XXXX XXXX because I believe I am being XXXX mailed to pay this debt by damaging my credit report.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I dispute XXXX accounts on my XXXX credit report they have been closed, charged off, written off and it is still showing a balance state of Michigan reported an account that has no lender or bank lender attached to it. I disputed these things because they are supposed to be removed off of my credit report. Accounts are showing written off or charged off and they still showing a balance which is against the law. Fraud during lent with addresses that I have not resigned that also names on my credit report that are incorrect, and I would like them to be removed, as well as the addresses that I do not reside at. And all of these issues are from XXXX credit bureau.
Consumer complaint received 2023-01-02
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)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02
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. (IN)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (FL)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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 name is 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.