davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (MD)

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 2023-02-11
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: CBC Companies, Inc. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. 

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-06
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. (NY)

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.
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This capital one credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

After reviewing my credit reports I noticed that you are alleging that the account are Collection without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -
Consumer complaint received 2023-03-04
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. (HI)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. To whom it may concern my name is XXXX XXXX XXXX I was a victim of the ravages of XXXX.I was hospitalized for an extended amount of time, while I was hospitalized with XXXX, an agreement was made with the XXXXXXXX XXXX under the Cares Act, therefore the account was never late.Please remove all late payments from this account, and please also send me out a corrected copy of my credit report to the address listed below
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC (MA)

After review my credit profile on XX/XX/XXXX Identified a discrepancy with account listed under Williams Rush & Associates LLC and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect in my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and second validation letter is send out this day. After reviewing credit report again on XX/XX/XXXX ( This account is involved in litigation ), there have been no updates and account is still reflecting in the report. I do not believe the account belongs to me nor do I believe that creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credits bureaus until adequate validation has been received proving this account belongs to me and all information is correct.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-04
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. (TX)

XXXX XXXX XXXX  aka XXXX fraudulently authorized a XXXX phone and service using false information and fraudlent identification. I have told there collection agency this is fraud and needs to be removed from. All XXXX credit buearus account was open XX/XX/2022 in the amount of XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2022-12-16
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: EQUIFAX, INC. (NV)

I filed an identity theft report on the Federal Trade Commission website and mailed a copy to all 3 credit bureaus certified mail to report and request removal of these unauthorized accounts from my credit file. Nothing was done and XXXX XXXX keeps requesting me to validate and verify the account that I know nothing about. 

XX/XX/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 2023-03-04
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. (PA)

In accordance with the fair credit reporting and XXXX  account 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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. (MI)

I reviewed my Consumer Reports and noticed I had 11 late payments on one reporter, five on XXXX and the account was removed on Equifax. I was never late on these accounts and the consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with XXXX XXXX. I have never been late on payments for this account ( XXXX XXXX ) Acct # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2023-10-22
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Coastal Capital Processing, LLC (FL)

I started to receive calls from a company from a XXXX number in XXXX and XX/XX/XXXX. They never asked me or stated they are attempting to collect a debt, but wanted me to verify my XXXX # or DOB. I stated that I could not do that, seeing there are many scams running crazy these days XXXX XXXX said they could put a lien on my car and they would file something in my county. They would not tell me the company they are calling from or anything. I asked my husband XXXX to look into it. After repeated calls, the company was getting annoyed with my husband, because he was inquiring on the same information. XXXX XXXX said that he would put a lien on my husbands truck, even stating it was a XXXX XXXX XXXX. XXXX XXXX also stated to my husband that I was conducting credit card fraud. Finally after repeated calls my husband figured out the company name was XXXX XXXX XXXX XXXX working under uscountyservices.com and that the voicemail had a name of XXXX XXXX. After talking to XXXX XXXX and a supervisor XXXX it was relayed to him that it was a Credit Card from XXXX  XXXX supposedly I have that was opened in XXXX, stating I owed a balance of {$2300.00}, Original Debt {$1400.00}. I am not aware of this account or that I owe anything related to this account. It has not been on my credit report, no communication from the original company or anything. They stated it had been paid on in XXXX, which I know what I pay on and can certainly say I have never paid anything on this account. My major concern is that this company never stated who they were or if they were collecting a debt as they should under the Fair Debt Collection Practices Act. They threatened liens on my vehicles and property, even my husbands vehicle. They gave out my address, birthday and last four of my SSN to someone that they assumed was my husband ( which it reality was ). They have not sent any written communication as I have asked to have and have been evasive during the whole situation.
Consumer complaint received 2023-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NJ)

During the process, i applied for forbearance at the beginning of XXXX XXXX. I received a letter saying I was approved, I still continued making payments in which then I called and said, " I no longer need help from forbearance. '' This is when I was told I was never approved for forbearance because I was " behind '' XXXX  months. I then tried my best to come up with the XXXX  months, I paid the XXXX  months with some money i received, and as i made the payments the tailor told me that the forbearance had been approved. I then asked to receive the check that i already paid but the tailor said she would have to mail the money back to me. As i called the back, I was informed that everything was cancelled because of the money I took back. The money that i took wasn't supposed to have any effect on the process because that was the XXXX  months which was claimed to not be paid, so I had to restart the process of the forbearance again. As i was waiting for the next forbearance release process, I paid the XXXX months over again in the amount of {$3600.00}. I wrote them and thanked them for their help. My case was ongoing for XXXX  months and after the fact, I paid the XXXX missing months meaning my case should've been up to date. Around XXXX this year, I received a letter from HUD claiming that I owed them {$3600.00} for the payment I already paid for the XXXX months I was behind. There are also some payments that I have on record which the bank doesn't have.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-04
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. (LA)

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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-03-12
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. (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-04
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. (PA)

My name is XXXX 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, 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 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 2023-03-04
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. (MI)

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.