davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NE)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-16
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. (KY)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX OF XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX & XXXX BANK XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-03
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ) has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (PA)

Since graduating from school in XX/XX/2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed. 
Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Consumer complaint received 2023-01-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter XX/XX/2021 requesting XXXX to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my report
Consumer complaint received 2019-12-17
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. (HI)

I have disputed 2 public record items with Experian consumer credit reporting company, on several occasions over the last 2 years. On the most recent occasion ( dispute report dated XX/XX/2019 ) I had explicitly asked Experian to provide me certain information regarding their investigation as per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) ( iii ). But they have once again refused to provide me this information I'm requesting for these 2 items. 
They are required by law to provide me the information I've requested. This is a clear abuse of power on their part, and a violation to my consumer rights! 

For the record, the information I requested from Experian in XX/XX/2019 and on earlier dates, for the 2 public records they are reporting on me, are as follows ; 1. A complete description of the procedure used to determine the accuracy and completeness of the information.

2. The date you contacted the furnisher of information ( current in relation to this letter ).

3. The complete contact information for the furnisher of information.

4. The name of the person who verified the item to you.

5. The method of communication you used to verify this information.

6. Did the furnisher of information provide you with my SS #, address, Date of Birth and signature? If so, please provide me with the information. 

Again, this is a clear display of abuse of power on their part. IF they have all of this information there should be no problem at all providing it to me. If they do NOT have all of this information then they legal must cease reporting it on my record. One of the two must happen. 
I have been more than patient with Experian and have tried to resolve this as adults without the need for any intervention. But it was to avail. That is why I'm filing this complaint today.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023, I sent notice to Experian about items that I have identified on my credit report that are the result of identity theft. I sent a copy of the FTC report identifying each item, my ID, proof of residency and a letter further identifying these fraudulent accounts and inquiries as well. Tracking confirms that Experian received these documents on XX/XX/2023. Today is XX/XX/XXXX. These items should have been removed by XX/XX/XXXX but they are still on my credit report. I have provided all of the required documents and I will include the tracking details in the attachment section.
Consumer complaint received 2019-12-20
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. (NY)

One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX . Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$0.00}.
Consumer complaint received 2024-03-21
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. (TN)

I am writing to file a formal complaint against XXXX XXXX XXXX  Account Number XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. OnXXXX/24, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX XXXX. Please feel free to contact me at XXXX According to 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-01-16
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On two separate occasions, a person impersonating a process server claimed and left notes on the door to a private residence " that a lawsuit had been filed against me to collect a debt. '' I checked with the County Clerk, and no such lawsuit has been filed. The number left on my door -- using hand-written, error-filled sticky notes -- is for a non-local number though claiming to be from the " [ Local ] County Court 'deleving ' [ sic ]. '' The alleged plaintiff is Portfolio Recovery Associates. The alleged number to call scrawled on the sticky notes left at my residence is for a private number in a different state and is not affiliated with any corporate entity or process-server company. I have contacted attorneys in addition to the County Clerk to verify that no such legal proceeding has been filed against me.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-02-21
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)

I tried repeatedly with documentary evidence that XXXX unethical predatory practices including credit reporting violates law. TransUnion gets revenue for reporting false information and refuse to to look into the documents support my position that the error on my credit report is wrong. I sent XXXX letter with their company letter head proving the information on my credit is wrong and TransUnion refuses to delete it. I voluntarily gave my son vehicle back the end of XXXX beginning of XX/XX/2016. There tow truck driver used the vehicle for 6 months in my name and made payments. It wasn't until I inquiring about the auction date that for over 1 month XXXX stated I did not return the vehicle. The account close date is not XX/XX/2016 and the balance should be XXXX not XXXX. That keeps increasing while charged off.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I placed a security freeze on my TransUnion credit report due to previous fraud on XX/XX/2023. On XX/XX/2023 I was alerted to two new inquiries & subsequent accounts on my report for student loans from " Dept. of EducationXXXX '' in Texas, which are NOT my accounts!! ( I am almost XXXX & live in another state. ) I have repeatedly tried to contact TransUnion by phone, online, etc. & they have me locked out to dispute this obvious identity theft. Since I established a security freeze prior, they should NOT have even allowed any accounts to be opened or inquired about without contacting me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one gave false statements, fraudulent representation of facts of informed use of credit, false and misleading Information, willingly and knowingly which is a crime and you are held criminally liable and is punishable under 15 USC 1611. They stated they provided me their credit in the amount of {$2500.00} and charged it off and trying to collect on an alleged debt they already received income for. A national bank can not lend its own credit XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I extended my credit as a consumer. Either, Capital one is committing Bank fraud and Tax fraud by lending me their credit or they are violating TILA, FCRA, & FDCPA for false and misleading representation and by furnishing a charge off without my permission which is income to my consumer report. Also, they have not provided me a 1099-c for the charge off as it is considered income via IRS.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I noticed my scores were dropping and decided to look at my scores. I realized someone had opened several accounts in my name and they all, well, most of them had gone into collection. I reached out to the FTC and followed the recommended steps.