davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents. I have not received this information Per Section 623 ( a ) ( 3 ) I believe my right are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-11-19
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. (AZ)

XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.
Consumer complaint received 2022-05-24
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. (NY)

EXPERIAN WOULD NORMALLY SEND ME REPORTS AFTER THEY INVESTIGATED ITEMS IN DISPUTE. HOWEVER, I HAVE NOT RECEIVED ANY REPORTS NOR AM I SURE IF THEY HAVE ACTUALLY CONDUCTED AN INVESTIGATION INTO SAID MATTERS. THE LAST TIME I GOT A REPORT FROM EXPERIAN WAS XX/XX/2022. ITS IMPOSSIBLE TO GET TO GET TO ANYONE There AS I HAVE TRIED TO CALL. ON THE ONE OCCASION, I GOT THRU TO SOMEONE. I WAS TOLD THEY NO LONGER MAIL REPORTS TO ANYONE.
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

LOANS THROUGH AFFIRM SHOWING ON XXXX CREDIT REPORT. 
XXXX, XXXX, AND XXXX. I HAVE A PRIOR DISPUTE THROUGH CFPB AND AFFIRMS RESPONSE WAS TO FILE AFIDAVIT WHICH I DID THROUGH THIER WEBSITE FOR ALL THREE LOANS. ON XX/XX/10 DAY OF SUBMISSION I RECIEVED 3 AUTOGENERATED EMAILS STATING THEY TAKE THESE MATTERS SERIOUSLY AND HAVE YET TO HAVE A RESPONSE. I ALSO WROTE BACK ASKING FOR A RESPONSE AND I HAVE NOT HEARD ANYTHING. I FILED ADDITIONAL FEEDBACK TO BE PUBLISHED ON THE GOVERNEMENT WEBSITE FOR THE LAST COMPLAINT. I WOULD LIKE TO HEAR AFFIRMS RESPONSE TO THIS MATTER AS THEY HAVE NOT YET ADDRESSED THIS ISSUE AND IT HAS BEEN GOING ON 6 MONTHS.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

I have contacted XXXX, XXXX and Equifax SEVERAL TIMES THE PAST WEEK asking them to remove ALL fraud alerts and to remove ALL personal statements. I need all 3 companies ( XXXX, Equifax, XXXX ) to remove ALL personal statements and ALL fraud alerts. I did not authorize these!
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: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$410.00} Account Name : XXXX  Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$570.00} and list of Inquiries. 


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 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 2022-05-24
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. (NY)

I contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. 
My three collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. How was XXXX verified? So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. 
The accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show XXXX in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX and XXXX XXXX  also to a simple valid. How was this validated? 

When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXXXXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-24
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. (MD)

Experian, XXXX and XXXX have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/2023, I sent {$500.00} through Zelle to a person to buy an electronic item but never received the item. I contacted my bank ( XXXX ) on XX/XX/2023 and XX/XX/2023 but they claim that they have no way of returning the money back to me and Zelle is not helping me at all either. XXXX sent me a letter saying they can not help me resolve this issue.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below.

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent 30 and it is hurting my credit scores. This is violation of US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX This should be immediately corrected and as such they should remove all late payment history from my account.
Consumer complaint received 2022-05-24
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-24
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-13
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I asked Portfolio Recovery Associates ( PRA ) to verify an alleged debt and they have failed to do so. They are in direct violation of the FCRA collection laws. Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, it states " ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' This company has not provided an agreement with XXXX XXXX that authorizes them to collect on this alleged debt, an agreement the bears my signature wherein I promised to pay XXXX XXXX, or complete history on this erroneous account to prove that the debt amount they wish to collect is correct.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # 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 2024-03-13
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. (IL)

I submitted my identity packet to the credit agency in regards to inaccurate information being reported on my consumer report, the agency did not provide any written consent of 100 % burden of proof nor have they removed the negative items from my credit file. I provided my Name, Date of Birth, Driver license and SS Card as proof of identity and the information is still showing on my credit to date. I am including again that information and I believe the credit agency is using a stall tactic as they have not provided me with what I requestd. I have not signed any XXXX form given my written consent and is requesting these items are removed from my consumer report within 4 days.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been made aware that XXXX XXXX XXXX is reporting inaccurate information to the credit bureaus XXXX Transunion is reporting inaccurate information on my credit report. My credit report with XXXX XXXX XXXX is incorrect and not reflecting the same information on my XXXX nor my XXXX. XXXX has since removed this account from my report and I'm demanding the same be done with transunion. I am also aware that credit acceptance is being sued by several states for predatory lending, illegal repossession and falsifying information on consumers credit reports. I got this information CFPB and it is valid..
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (GA)

Today XX/XX/2022, I received a call from I.Q Data International. They call to inform me on a debt from a former apartment complex. I advised the agency that I have tried to set up a monthly payment amount within my budget to the complex and payments are currently being sent at {$300.00}. I also advised that I was working during the call, this comment was totally disregarded by the agent. I advised the agent of my work hours XXXX to XXXX and they insisted I call them at XXXX on a resolution or they will no longer be able to hold the account and enter refusal to pay. I advised them, they are asking me to conduct personal business during my work hours. I also advised them per the fair debt collection act, I have the right to receive the debt in writing within 5 days of contact.. The agent advised the letter was mailed XX/XX/2022 and not sent over night. I advised the agent I will call them to discuss debt after I receive the notice.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I've recently reached out to Experian in XX/XX/2022 to update and remove incorrect or inaccurate personal information reporting on my credit report. On the Experian credit report it contains addresses XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX which neither or locations where I currently reside nor have any affiliation to. The Employers section also contains inaccurate information with the names XXXX XXXXXXXX and XXXX XXXX which I was never employed at neither Employer. Despite my previous attempts this wrong information continues to report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX