davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have reported to all three credit agencies that I need information about several accounts that I know are not mines ( XXXX ) and incorrect address/phone numbers. They are not updated. Ive paid accounts off and it still shows unpaid.
Consumer complaint received 2022-04-17
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. (IN)

I have reported to all three credit agencies that I need information about several accounts that I know are not mines ( XXXX ) and incorrect address/phone numbers. They are not updated. Ive paid accounts off and it still shows unpaid.
Consumer complaint received 2023-06-26
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. (OH)

theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debtXXXX XXXX XXXX is still to this day pushing 120 days late on 36 payments. Its killing all efforts to buy a home. Please help with this and take XXXX XXXX off of my XXXX and XXXX credit reports. Please
Consumer complaint received 2024-03-12
Product: Credit reporting 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 XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX..US DEPT OF ED/XXXX  Account # XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Reference # XXXX XXXX bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Consumer complaint received 2022-04-17
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. (UT)

I ran my real credit report today, they continue to show that I disputed my XXXX XXXXXXXX XXXX loan for which I did not! I have proof in writing that I did not dispute that account. I'm sick of having this conversation with them. Also the attached means nothing to me but I wanted to send it with the complaint to tell them just that - IT MEANS NOTHING BECAUSE THEY CONTINUE TO MAKE ERRORS ON MY REPORT REFUSING TO FIX THEM!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-04-17
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: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2020 a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )
Consumer complaint received 2022-04-17
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. (FL)

n accordance with the Fair Credit Reporting act 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 2022-04-17
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. (IN)

I have reported to all three credit agencies that I need information about several accounts that I know are not mines ( XXXX  ) and incorrect address/phone numbers. They are not updated. Ive paid accounts off and it still shows unpaid.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-04-17
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: National Credit Systems,Inc. (NV)

This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: McCarthy, Burgess & Wolff, Inc. (SD)

I had a debt collector contact my mother saying that I had an account in collections. When I contacted them, they stated it was for a XXXX account out of Idaho. I have never lived outside of the state of South Dakota, and have had the same XXXX account from approx XX/XX/XXXX-XX/XX/XXXX. I told them that I was a victim of identity theft and that I would be filing a police report. This debt had since been reported to credit bureaus.
Consumer complaint received 2022-04-17
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: CREDIT ACCEPTANCE CORPORATION (NV)

This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy
Consumer complaint received 2022-04-17
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)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge also I am not using any third party only ME. There are items in my credit file are from unauthorized use of my social security number and card. I did not authorized these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any this.
Consumer complaint received 2022-04-17
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 swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge also I am not using any third party only ME. There are items in my credit file are from unauthorized use of my social security number and card. I did not authorized these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any this.
Consumer complaint received 2022-04-17
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. (UT)

I ran my report today and found the following errors still remain on my report. They have 10 business days to remove this information or I will sue them in civil court on the 11th business day. Enough with this XXXX! I have all of the complaints and written proof of my disputing these issues clearly written in English for any lay person to understand. They don't seem to and want to continue the charade of misinformation on my reports expecting to wear me down. The only thing they've done is XXXX me off! 

1. The XXXX XXXX is an error made by Trans Union 's staff who obviously need eye glasses. This has never been my XXXX. I've lived in UT for 1 year as of XX/XX/XXXX and that box number has never been mine! I have written proof of my correct XXXX at the time it was issued to me in XX/XX/XXXX. If they do not REMOVE that incorrect address I will sue over it. 
2. XXXX  XXXX XXXX XXXX XXXX- they show 2 descriptions of how the debt was paid on my actual credit report I ran as " payment after charge off/collection '' and " settled, less than full balance ''. It should be the latter, CORRECT IT!

3. XXXX XXXX XXXX- this continues to reflect that I disputed this account on my real credit report, when I never did! If it is NOT REMOVED I will sue! I have written proof of exactly what my disputes requested. I will be happy to show it to a judge! 

If these problems are not corrected in 10 business days and I'm not notified within that time frame I will sue. We're not playing the 30, 45 and 60 day game any longer. Fix it or meet me in court!
Consumer complaint received 2021-11-22
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. (PA)

I have submitted a Cease and Desist with ENHANCED RECOVERY COMPANY. I explicitly stated that there be no communication through any medium other then through mail. XXXX AND TRANSUNION are continuing to furnish this information as a means of communication which is in violation of the Cease and Desist.
Consumer complaint received 2021-08-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (NY)

I the consumer original creditor and natural person am being harassed and abused by debt collection attempts by this third party debt collection. Pursuant to federal law this organization never had my consent to contact me and is using false and mis leading representations to collect a debt not owed. Article 1 section 10 of the constitution states debts can only be paid with gold and silver. Farther more attached is my affidavit of truth along with supporting facts of federal violations endured by me the consumer from this debt collection attempts. Also be advised during debt collection attempts my Fourth amendment right also has been violated. I have no contractual agreement with your organization or any parties.
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (WA)

On Saturday, XX/XX/2022, I received a letter in the mail from Continental Service Group , Inc. ( ConServe ), a debt-collection contractor for the IRS, stating that my account has been placed for collection with them. I don't know why I received this letter. I've paid my taxes in full. Lastly, the letter that I received has a " Tax Period '' that states " XXXX ''. I'm not exactly sure what that means.
Consumer complaint received 2022-04-17
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: ALLY FINANCIAL INC. (FL)

I, XXXX XXXX, applicant, are aware of Ally Financial deceptive and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. 
It is clearly and conspicuously Ally Financial have performed deceptive business practices.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (OR)

This is regarding my Target XXXX XXXX, which I have held for several years. I use this card only occasionally. I do not owe them any money, and I have never been late with a payment. My credit score last fall was XXXX points. However, Target arbitrarily decided to lower my credit limit in XXXX, 2021, for no reason. They did not inform me of this, and I want to point out that this was right before the holiday shopping season. I noticed the considerable drop in my credit score, and obtained my credit report. I was stunned to discover that Target had taken this action. It felt like this company was punishing me for some reason, and wanted to catch me overcharging this account, since they failed to inform me that they lowered my credit limit. My exemplary credit score was harmed by Target 's action.
Consumer complaint received 2022-04-17
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: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/2020 two dispute and validation letters was delivered to the company via USPS Certified Mail # XXXX / XXXX. Reviewed my credit report 45 days later which showed the reporting of my accounts as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 ).
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

I don't know Spring Oaks Capital , LLC NOR I have made business with them. I have no obligation to pay any amount to this collection company since I have never done business with them. Collection company need to validate my information and since they already mention they purchased the debt ( debt not validated ) I won't pay a dime. Collection companies only have access to the statements the original creditors send along after paying pennies over dollar for each debt. You won't get my money and you need to delete this trademark placed on my file. So get that UDF updated or I will pursue SUEing the company. A validation ( certified ) letter was send on XX/XX/XXXX asking for validation, this information was never provided by them. Also, they were asked to cease all collection during all this period of investigation time and they haven't, hence, violated the CFPB and FTC.
Consumer complaint received 2017-08-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (CA)

Ok western union money order was stolen nd cash in which wasnt the person my mom pays rent to .. when i made a claim nd did process which im at the last step .. so waiting for my refund. Its still be pending since last year XX/XX/XXXX i recentlly contact them on XX/XX/XXXX and its still pending i noe thats does not take that long they are so unprofesstional ..please can u help me
Consumer complaint received 2022-04-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WA)

The XXXX  has misinterpreted the law which effectively provides lenders with avenues to essentially discriminate in providing credit access to their XXXX  loan benefit. The XXXX  has stated in response that lenders are allowed to institute overlays regarding the government backed program. The problem is that XXXX  never actually considers the discriminate results against veterans of such overlays that appear to break several finance and housing laws.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (NC)

I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 2022-04-17
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX accounts XXXX, XXXX and 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 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.