davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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. (GA)

I submitted a dispute letter via certified mail which was received/delivered to Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) on XX/XX/2023. Certified Mail XXXX # XXXX. Enclosed with the dispute letter was a copy of my social security card and passport for identification purposes. 

I received a letter on XX/XX/2023 from Equifax stating that they would not complete the investigation and also requested copies of my ID for identification purposes. I have PREVIOUSLY submitted via the mailed dispute letters copies of my ID. This company continues to REFUSE to investigate and remove information from my credit report that does not belong to me further violating my consumer rights. I DEMAND a proper investigation and deletion of the accounts for which do not belong to me that were submitted in the attached mailed letter. I have attached the original mailed letter to this complaint.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2020-03-19
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX  XXXX  {$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX  {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a XXXX Suppression to my credit file.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed with Transunion and was told XX/XX/2023, that the said debt with XXXX would be deleted from my credit file XX/XX/2023 it has been removed from XXXX and XXXX but is still fraudulently reporting on Transunion which they are in violation of doing so
Consumer complaint received 2022-10-26
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: DISCOVER BANK (NC)

I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. Discover added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HEARTLAND PAYMENT SYSTEMS INC (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( US DEPT OF EDUCATION ECSI ) is a financial institution by definition under that title. XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( US DEPT OF EDUCATION ECSI ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( US DEPT OF EDUCATION ECSI ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( US DEPT OF EDUCATION ECSI ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has a fraud alert on my account. I asked them to remove it after sending out letters and they have had more than 70 days to remove them and still failed to do so. I followed up with a call the representative was in fact very rude and insisted i send them the paperwork all over again which ive done twice.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The credit reporting agencies fixed some of the errors, but not all. I need assistance enforcing them to fix " all '' errors on my credit reports.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX  XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX  {$2200.00} Creditor XXXX : XXXX XXXX XXXX {$150.00} Creditor XXXX : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX feet finder Contacted them and they said it had been authorized but these payments I have no clue about
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1861c ( 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 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 2023-06-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Illinois Collection Service, Inc. (IL)

Please advise I have ics collection service responded back to cfpb and does not recognize this debt collection. This is not my debt and I want this removed from my credit report as I have reported this to XXXX XXXX  and XXXX and this has not been removed from my credit report. Ics collection services was contacted numerous times about this by cfpb and has no knowledge of this debt can we please get this resolved and removed from my credit report thank you.
Consumer complaint received 2023-10-02
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: BARCLAYS BANK DELAWARE (PA)

XXXX Hard Inquiries that I did not apply for : Barclay Bank Delaware Barclay Bank Delaware XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN XXXX AND TRASUNION, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXXXXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

6. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a jointnotification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

7. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXXXXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 

TRANSUNION : 1. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.
Consumer complaint received 2020-03-19
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. (CA)

I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.
Consumer complaint received 2018-05-03
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. (MD)

Filed dispute with credit bureau with proof, disputed items was deleted from XXXX. I was denied housing, and received a copy of the furnisher of such recent derogatory reporting. Upon receipt of my credit file I noticed XXXX XXXX continuous updating of erroneous derogatory information to reduce my score, Experian will not allow any further disputes from me via web based on what XXXX XXXX says is correct. 

XXXX XXXX is aware of my dispute regarding fraudulent charges statement paid to a 3rd party without my authorization for savings account in their records posed as an auto loan. Please be advised I was not a member of XXXX XXXX which is a financial institution for teachers employed in XXXX   County, Virginia.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 Rental agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$37000.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't 've be there
Consumer complaint received 2018-05-03
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: CITIBANK, N.A. (FL)

on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX/XXXX i never heard of them or have I done any business with them.
Consumer complaint received 2023-10-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

I requested documentation asking them to show me where I signed a contract with them ( I.Q. Data International , Inc ) and I asked them for proof that they are legally authorized to collect in the state of Georgia and balance breakdown of ALL charges. Theyve violated my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692 ( g ) Section 809 ( b ). I was also violated because under U.S.C. 1681 Section 602 ( a ) states I reserve the privacy and I asked for them to remove this from my credit since I didnt give them written consent to furnish this account, under U.S.C . 1681 Section 604 ( a ), this is my right and Ive been violated by this company. This company is also violating me because they arent even licensed to collect debt in the state of Georgia. I didnt get any of the information I requested from this company to show prove that they arent violating my consumer rights.
Consumer complaint received 2022-12-08
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. (TX)

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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX  XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX  XXXX Balance : {$40000.00}, XXXX XXXX Balance : {$30000.00}. 
XXXX XXXX XXXX Balance : {$1400.00} tied