davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX XXXX Account XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  # XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than XXXX days to complete my investigation, here is my certified mail tracking # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (PA)

I have disputed this debt multiple times and RECEIVABLE MANAGEMENT SERVICES LLC has never responded in any way. They have however verified the accounts to the credit bureaus. This is a direct violation of the FDCPA! Reporting an unverified and disputed debt is a violation of the FCRA. I shouldn't have to work this hard to get a correction made to a very inaccurate account! PLEASE HELP ME!
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am sending this follow up CFPB complaint today to inform you again that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX  XXXX Balance Owed : {$6800.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX  XXXX Balance Owed : {$640.00}.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TN)

MONTEREY COLLECTION SV Is attempting to collect a debt. for a Timeshare owned by a company or someone of similar name. They have put it on my credit report and are refusing to remove the collection and are also refusing to provide proof that the account is valid.

We have attempted to dispute the collections through the Credit Bureaus but it has not been removed, the credit bureaus have explained to me that they are not required to ask for proof that the accounts are valid, that the creditor themselves has to clear the verification to themselves.

I have also sent a request for validation to Monterey via certified mail and have received nothing in return at all.

MONTEREY COLLECTION SV is utilizing my credit to attempt to intimidate me into paying for an account that is not mine at all and refuses to show the deed for the account because it shows a different owner. 
I will attach the only deed in XXXX XXXX FL that I can find that has a name similar to mine for the Timeshare they say I own.
Consumer complaint received 2023-05-11
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: Experian Information Solutions 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.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

I recently pulled my credit report and I noticed several inaccuracies in regards to my personal information. I mailed a letter addressing the inaccurate information this past Wednesday, XX/XX/2023 certified mail. I'm submitting this complaint simply as reassurance that it get corrected. You can find the letter attached within.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-05-03
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)

This is my second 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 XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) XXXX Balance : {$690.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX Balance XXXX {$690.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXV ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ACCOUNT NAME : XXXX CARD ACCOUNT NUMBER : XXXX. This account does NOT belong to me. I want this account removed from my credit reports. Furthermore, it has many inaccuracies being reported. This account is in direct violation of the FCRA.
Consumer complaint received 2023-08-22
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. (FL)

XXXX XXXX XXXX account created XX/XX/. This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation* ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take ne action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal actinike against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Dislike You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you wO be collected as evidence should any further action be necessary. This is a request for information only. and is not a statement, election, or waiver of status.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

Hello I have been letting Equifax, XXXX, and XXXX know that my identity was stolen on XX/XX/2023 and that these individuals stole my ID ( drivers license ), as well as my social security number as well. These individuals have been calling to verify account balances and personal information that was also stolen from me and I made all 3 credit bureaus aware. Ive also filed a formal police report and they have done nothing at all in regards to this issue. No one I have been reporting this to has taken this matter serious at all. So I am filing complaints to CFPB to try and get some type of help or resolution or guidance on what to do.
Consumer complaint received 2018-04-27
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 have for months disputed erroneous information listed on my credit file to Trans Union. I asked for a 'description of procedure'/ 'method of investigation ' from them but all I ever received back from them was, 'verified as accurate and updated, dispute not specific/verified and updated '. They have never given me a clear explanation, description of procedure or method of investigation as I asked. 

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

According to Trans Union 'the item was verified as belonging to me and other account information has changed, or the item was updated to reflect recent activity '. I even sent them paperwork XX/XX/XXXX & XX/XX/XXXX showing where XXXX had deleted this because they couldn't verify/validate with evidence and Trans Union still refused. This is in clear violation of the FCRA. 

FCRA 607 ( b ) states Accuracy of Report ; 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. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; What I think they are doing is not reading what I am sending in because they think this is some kind of form letter. I'm not sure why they are not looking at clear evidence and not doing their job. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it. 

All this correspondence I will be including for you as well. I had fraud on my account due to multiple social security numbers that were listed on my credit file with XXXX. I am including the letter I had asking them to remove that as well.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX account created XXXX XXXX XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation* ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take ne action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal actinike against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Dislike You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you wO be collected as evidence should any further action be necessary. This is a request for information only. and is not a statement, election, or waiver of status.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-22
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021