davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (VA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank will not cooperate with me, they have responded to my communications but not with the expected actions as listed in my letter of requests. I keep trying to resolve this issue. They are reporting {$1700.00} to the CRAs on my behalf. Which I recommend to cease and desist as I wrote in the letters. I also have information stating that they no longer hold a written agreement of this account in my name. Please assist me in finding a resolution to this situation.
Consumer complaint received 2023-05-22
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. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists from XXXX XXXX XXXX XXXX 

Pursuant to 18 USC 8.i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 Transunion 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 corrected : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Urgent Removal of Inaccurate Debt from Credit Report Pursuant to Applicable Laws Dear Sir/Madam, I am writing to dispute an erroneous debt that has been reported on my credit file, which I believe is in violation of relevant laws and regulations. After a careful review of my credit report, I have identified a debt that does not belong to me, and I kindly request your immediate action to rectify this inaccurate information by removing it from my credit report. 

I would like to bring your attention to the following details regarding the incorrect debt : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5500.00} Date of Inclusion : XX/XX/2022 Please also remove all unrelated Address 's and Phone # 's other than the heading. 

As per my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, outdated, or does not belong to me. Furthermore, the FCRA requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute notice and remove any inaccuracies promptly.

Therefore, I request the following actions from your end : Conduct a thorough investigation into the disputed debt and verify its accuracy. 
Provide proof of validation for the debt in question, including documentation that demonstrates its legitimacy and ownership. 
Notify me promptly of the results of your investigation within the legally mandated 30-day timeframe. 
If it is determined that the debt is invalid or inaccurately reported, remove it immediately from my credit report. 
Furnish me with an updated and corrected copy of my credit report reflecting the removal of the incorrect debt. 
Please note that the presence of this inaccurate debt on my credit report has adversely affected my creditworthiness, causing undue harm and potential financial repercussions. It is crucial that you take prompt action to address this matter and restore the accuracy of my credit report, in full compliance with applicable laws. 

Thank you for your immediate attention to this urgent matter. I expect a timely resolution and the removal of the inaccurate debt from my credit report, as mandated by the FDCPA and FCRA. Failure to comply with these legal obligations may result in legal action to protect my rights under these laws. 

I anticipate your cooperation and appreciate your swift action in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-05-22
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. (AZ)

When I reviewed my credit report, I discovered that some of the information 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have disputed the account for XXXX XXXX listed on my XXXX XXXX and Equifax credit report! They are reporting that I owe a balance of {$3600.00} when I have provided documents from the original creditor XXXX XXXX showing that the account was paid in full. I paid {$1900.00} as requested and XXXX XXXX assured in writing that the account would be paid in full and closed no further collection activity however ; XXXX XXXX keeps reporting a balance owing of {$3600.00}. I have provided the settlement letter and yet these two creditors still have no updated my account.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention a matter regarding my credit report held by Experian. On XX/XX/XXXX, I contacted Experian regarding the following inaccuracies on my credit report, and as of this date, I have not received any response or resolution. I am seeking your assistance in addressing these discrepancies : The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Requested Action : Please remove it from my credit report.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

Im filing a complaint against The Company ERC collections. They are fraudulently claiming I owe them money from a previous XXXX XXXX XXXX  XXXX account. I have never had service with either company. ERC has my name, social security number and my address, my phone number which was fraudulently obtained. I dont own this account theyre talking about. The reference number for the fake account is XXXX. Im emotionally distraught because my personal information has been stolen by them and theyre trying to get {$530.00} from me.
Consumer complaint received 2023-01-05
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. (NJ)

XXXX follow up to my complaint that wasn't resolved but marked prematurely. 

this information is incorrect. 

I understand that the company has sent over information, they have not properly validated this debt they sent information verifying the item, but the inaccuracies on my credit report are still present and with FCRA laws breaks the reporting act as willingly and openly reporting inaccurately to the credit bureau 's IF they were " UNAWARE '' of the " Indirect '' letters ' who was showing the information was verified who was sending information to the credit bureaus XXXX XXXX was. For example. XXXX XXXX Stated my Account was CLOSED XX/XX/2017 through inaccurate reporting I have late payment in XXXX and XXXX but you can not report late payments after an account is closed. in the month of XXXX and XXXX I have duplicate " 90 day late '' which is both inaccurate and Violates FCRA, XXXX XXXX, -date reported incorrect, -Charge off listed as a collection -Payment after charge off / collection -and listing account information incorrect and not showing the full account number. - XXXX XXXX has violated Fair debt collection practices act. - XXXX XXXX has not given their method of verification as well.
Consumer complaint received 2017-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (VA)

i am being charged an extra XXXX dollars on my student loans that Nelnet nor the XXXX will assist with finding out why. Loans were consolidated and put as additional loans on my account and i did not consolidate. Both companies have stated that they have no record of an application being completed for the consolidation. i have a print of of my loans and they add up to an estimated XXXX plus interest of XXXX would equal XXXX but my loan account is showing XXXX no answers have been given and nothing has ben done between both entities. Please assist with this matter. Thank you.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (PA)

On XX/XX/2023, received several emails from a collection agency trying to collect a debt of over {$14000.00} owed to original creditor XXXX of South Dakota. The debt collector is TrueAccord Corp. and account XXXX. This is not my debt.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NY)

On XX/XX/XXXX I reached out to a company named XXXX. XXXX, I request validation for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted XXXX. XXXX to provide me with any business contracts we may have together. I have attached the fraudulent document that they forged non existing addresses that does not belong to me. And I see why, Moving forward today XX/XX/XXXX on my credit report and theres this new company by the name of SOURCE RECEIVABLES MANAGEMENT, that has now bought the fraudulent account and is reporting to my credit report. In Violation of 15 CODE 1692, 15 US CODE 1692 ( d ), 15 US CODE 1666, 15 US CODE 1681 SECTION 604. These agencies are taking turns helping to damage my reputation, I am in distress knowing that Ive tried numerous times to communicate with these agencies and Ive not gotten the help I need. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : SOURCE RECEIVABLES MANAGEMENT, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Violation of 15 U.S. Code 1692j, Re : 15 US Code 6801 : States that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (HI)

Midland is in violation of the UCC 9-210 by failing to provide an authenticated record of accounting, which I requested on XXXX XXXX. Midland is also in violation of 15 U.S.C. 1681 for willfully furnishing inaccurate/unverifiable information to a consumer reporting agency, after being notified of the error. I am currently owed {$1500.00} for both violations. My only other option is to sue for damages if the account is not removed immediately. This is my final warning.
Consumer complaint received 2018-04-16
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: General Motors Financial Company, Inc. (NV)

XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Consumer complaint received 2022-11-11
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)

Hello my names is XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - sensible auto lending - XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2023-11-04
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. (CT)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-11-04
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. (IL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00}.
Consumer complaint received 2022-11-11
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. (MO)

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX