davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (SC)

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-16
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, Dept of Education/XXXX XXXX XXXXXXXX, Dept of EducationXXXX XXXX XXXX XXXX Dept of EducationXXXX XXXX XXXX , Dept of Education/XXXX XXXX XXXXXXXX, Dept of EducationXXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX , Dept of Education/XXXX : XXXX, has v

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I previously submitted a complaint against XXXXXXXX XXXX  on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided. 

The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXXXXXX XXXX XXXX XXXX who we also hve submitted a complaint on. 
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXX XXXXXXXX XXXX on behalf of XXXXXXXX as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for XXXX. 

We hve been repeatedly sued for default judgements because of the tactics XXXXXXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well. 
XXXX has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of XXXX by XXXXXXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXXXXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full. 
Since XXXX stated they gave XXXX XXXX account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of XXXX which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by XXXX and XXXX XXXX
Consumer complaint received 2023-02-16
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pleased remove all fraud alerts and extended fraud alerts TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

I just called ACA of XXXX and they are trying to collect zoombie debts from 2014 which i haven't been to those hospitals. She couldn't give me details just the balance. This is XXXX violation. Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-02-16
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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
Consumer complaint received 2023-02-16
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)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$430.00}.
Consumer complaint received 2024-02-03
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law for this matter to be resolved promptly. 

XXXX XXXX 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 2023-03-07
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. (FL)

Hello I have Written Trans Union regarding Fraud on my account. I have 3 accounts that are fraudulent. They are : XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ) .
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

I have a Detective working on the case and I have a Sheriffs ( police ) report and affidavit regarding these accounts. 

My XXXX Specialist called me, and after his investigation by contacting the creditors found these to be fraudulent as well and removed 2 Accounts ( optumbank/greensky was not reported with XXXX ) and 3 Hard Inquiries. I was part of the XXXX Breach where this all started. 

I am asking the CFPB to look into this with Trans Union so these accounts can be removed from my credit report which is hurting me and my family from getting credit tremendously. 

Please see attached Police Report and Identity information. 

My Sheriff told me to say that FCRA states a bureau has 4 days to remove these accounts once a police report and affidavit are shown as in section 605b. 

Than you for your help.
Consumer complaint received 2023-07-14
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. (OH)

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with Experian and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.
Consumer complaint received 2023-07-14
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. (LA)

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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-01-09
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: ENCORE CAPITAL GROUP INC. (TN)

midland funcding, llc and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX owes this debt. Debt is beyond statute. Other erros remain on my XXXX files- the data does not meet fcra nor fdcpa compliance.
Consumer complaint received 2023-02-16
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. ) Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (NC)

I fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. 
The company Carmax Auto Finance did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both XXXX and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from Carmax Auto Finance. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance Carmax claims I owe which is {$6500.00}, while XXXX shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.
Consumer complaint received 2020-08-17
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. (TN)

CHECKED MY CREDIT REPORT THEN NOTICE THAT ACCOUNTS WAS OPEN IN MY NAME THAT I NEVER KNEW ABOUT IM TRYING TO BUY A HOME AND THESE ACCOUNTS ARE STOPPING ME FROM HAVING A GREAT RATE WITH MY CREDIT UNION HOW CAN SOMEONE USE MY INFO WITHOUT ME KNOWING THIS IS CRAZY.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (TX)

Experian completely ignored my disputes and replied with a cookie-cutter response through their e-Oscar!! On XX/XX/2023 Experian received a certified dispute for all of the following : 1. Remove all the inaccurate addresses from my report- they retaliated by removing the accurate one and leaving the rest. 

2. Method of verification request for XXXX XXXX and XXXX- they sent me a 21day verified with no explanation or proof of how. 

3. Proof that I authorized inquires by XXXX XXXX, Experian Business Credit, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX- they completely ignored it. Experian thinks they are above the law and congress or that people who challenge their reporting are peasants!

Im honestly in shock at the predatory behavior by Experian! They knowingly and willfully are doing everything they can think of to violate the fcra and ruin peoples lives in as many ways as possible!
Consumer complaint received 2023-02-16
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.