davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (VA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I filed a dispute with 2 consumer reporting agencies on XXXX XXXX ( Experian and XXXXThe consumer reporting agencies validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB XXXX deleted the account.Experian still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from XXXX XXXXXXXX.I called the CFPB and asked how could this debt be validated after one ( XXXX ) consumer reporting agencie deleted the account.Then the representative told m that companies don't have to show any proof and just send it back validated with no proof of an investigation.Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a companie must respond in XXXX days of a challenge.It is well past the XXXX day mark, and even though they don't have to respond to the consumer reporting agencies they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deletedXXXX  XXXX XXXX XXXX XXXXXXXX on Experian consumer reporting agencie.I have copies of everything below
Consumer complaint received 2023-05-13
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 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 2023-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

I disputed this before with no results. This is in regards to the collector trying to collect for old carpet, and other things with no proof. We left the XXXX after XXXX  months DUE to unsafe living conditions, such as XXXX XXXX XXXX XXXX 

This was XX/XX/XXXX, we left XX/XX/XXXX, we were not evicted! He called calls and sent letters, and now he keeps charging interest seems like every XXXX weeks. He has provided no proof of damages, or anything I asked for. I have letters that I sent to the landlord about the living conditions. 
There is nothing in the lease that says interest. 
you can XXXX XXXX XXXX XXXX/ XXXX, LA and see all the reviews. Charging over XXXX dollars in interest I also had a XXXX in the pool at the apt due to lack of sleep and stress and was sent to the hospital unresponsive. have medical report
Consumer complaint received 2022-11-14
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. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX AV XXXX, AL XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-14
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: Commonwealth Financial Systems, Inc. (CO)

Common wealth financial services continues to flag my account... 
They have continued to do this even after XXXX of there accounts was removed from my report ... .I need them to take this XXXX of my report as well
Consumer complaint received 2023-05-13
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. (IL)

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. 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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have XXXX accounts that does not belong to me. XXXX XXXX  XXXX # XXXX, XXXX and XXXX XXXX XXXX. I have submitted these accounts to XXXX with supporting documents several times and they still send me letters stating that the accounts have been verified. XXXX XXXX with Equifax I submitted to them as well asking to provided proof of ownership I receive nothing.
Consumer complaint received 2017-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Resurgent Capital Services L.P. (MI)

This account showed up on my credit report without my knowledge of this company and amount due to XXXX. This has been resolved as I have worked with credit company, XXXX. XXXX did the research and reached out to the company and was able to resolve the issue. XXXX removed this debt from my credit report. It was n't until I went to purchase a home that I found out about this debt that was resubmitted by another company again after I was told it was resolved and removed and the debt was no longer due. It is frustrating that the resolved debt is back on my credit report. I have never received any communication from XXXX or lvnv funding regarding this debt before it was resolved. Now that it is bank on my credit report I still have not had any communication on this, probably it was n't supposed to be on my credit report anyway and I did n't owe XXXX anything.
Consumer complaint received 2022-11-14
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. (AZ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Experian has refused to follow suit with other credit bureaus. XXXX and XXXX have removed all incorrect information from my credit report. Experian will not follow suit and refused to send debt validation letters with SIGNED CONTRACT WITH MY LEGAL SIGNATURE. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

PLEASE FOLLOW SUIT WITH OTHER CREDIT BUREAS AND IMMEDIATELY REMOVE INACCURATE ACCOUNTS OFF MY CREDIT REPORT.
Consumer complaint received 2022-11-14
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. (WI)

The XXXX major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXXXXXX XXXX XXXXS XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX XXXX XXXX XXXX XXXXXX/XX/1922 ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I submitted a return to sender letter to Experian for the fraudulent information on my account provide by XXXX XXXX. I never received a response for my inquiry in the investigation. XXXX XXXX claims I owe over {$5000.00} but I have no knowledge of the account. I have attached documents for my investigation with Experian.
Consumer complaint received 2023-02-13
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. (CO)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MT)

On XX/XX/XXXX, I pulled a copy of my credit report from Experian. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to XXXX disputing said alleged account and asked for validation. 

Experian failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Experian requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Experian marked my credit report as being " disputed '' ; although, Experian continues to report said item.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (KY)

XXXX   XXXX   XXXX  will not give me credit for equipment and payment. They continue to keep reporting that I owe them and I do n't. I paid them and returned equipment  XXXX   XXXX ,  2014
Consumer complaint received 2023-05-13
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. (MA)

Hello! 

I have recently been made aware that someone stole my identity due to owing a balance on my XXXX taxes that I originally did not owe when I filed. The person allegedly made {$18000.00} in Sales via the XXXX app, and used my name. They spelled the name incorrectly, and I just want to make sure I am covering all my bases. I have contacted all the credit bureaus and have filed/alerted identity theft as many places as I can. I filed the alerts today on XX/XX/XXXX.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jomax, LLC (FL)

It was in XX/XX/XXXX XXXX recovery put me in collection for an account business LLC his name isXXXX XXXX started on XX/XX/XXXX and closed out onXX/XX/XXXX. 
Jomax recovery keep going down my reporting in collection
Consumer complaint received 2023-05-13
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. (FL)

My ex husband took out a car loan in his name only. It shows as a joint account in my credit report and that is incorrect. The vehicle was repossessed voluntarily by him. The account was with XXXX XXXX auto loans opened in XX/XX/2015. It needs to be removed from my credit reports.
Consumer complaint received 2017-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE 360 mistreated their client. They have just closed the accounts and reported occurrences of fraud to other banks when fraud never occurred. In addition they contacted other financial organizations and spread security risks about their client! Capital One still did not respond to the cease and desist order filed by XXXX! Their response is needed immediately!
Consumer complaint received 2023-05-13
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. (GA)

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages reported to my credit report. This is a deformation to my character.
Consumer complaint received 2023-01-03
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. (TX)

I have several hard inquiries that were not me Id like to get rid of by the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Uptain Group, Inc. (AL)

i disputed a debt with XXXX for XXXX dollars and it was closed and removed from my credit in XX/XX/2016. I received a letter from uptain group. inc trying to collect on this debt again after it was removed from my credit. I contacted these people and they tell me they will report it on my credit again they do n't care what I say.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2017-04-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I XXXX XXXX believe that my name is being wrongfully circulated through a debt pool operation. The attempt to collect on a debt that was discharged almost a decade ago, is still being circulated among debt collection agencies. The MCM company attached shows a debt that not only is to old to collect on, but has already been removed from my credit report based on FCRA guidelines. Accordingly, I demand that my name be purged from this collection agency immediately, and that if any reference was reported to the XXXX credit reporting agencies, that a letter of removal be submitted immediately as well. DELETE MY NAME FROM ALL FUTURE COLLECTION ACTIVITY!!!
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Company name XXXX XXXX XXXX, XXXX Address : XXXX XXXX. XXXX, XXXX XXXX,, XXXX, OR XXXX aka Visa merchant XXXX and Visa merchant XXXX make unauthorized recurring charges. They do not respond to phone or email contact attempts. They do not obey Visa blocked charge initiations to the credit card.
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-09-12
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. (CA)

In accordance to the fair credit reporting act XXXX account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 report agency can not furnish a account without my written instructions.