davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

This account is NOT MINE! I'm sick of these false amounts on my credit! I do not owe any such debt. This is a issue from the breach! I have contacted my attorney and they have sent a formal letter to this company. Please stop all reporting for this account. Not mine! I never owed this! Never had this account!
Consumer complaint received 2022-06-02
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. (AZ)

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit XXXX. I pulled my credit les from TransUnion, XXXX, and XXXX and found that someone has been using my identity to obtain credit from several creditors. These creditors include the XXXX XXXX XXXX XXXX ( {$110000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX Bank XXXX ( {$30000.00} ), XXXX XXXX XXXX  ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-02
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. (CA)

Here are the inquiries that are showing on my credit report and I need them removed ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-02
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : States that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-02
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : States that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I canceled my paid subscription with Equifax and XXXX last month. Around the same time, I launched a complaint against Equifax and XXXX for reporting inaccurate information on credit report. 
However, I didn't close my credit monitoring accounts completely. Once, I canceled my Paid subscription with Equifax and XXXX I was no longer able to log in or access any of the free products .When I tried to access the free products such as XXXX XXXX or when I wanted to put a freeze on my credit reports I was given a phone number to Equifax and XXXX and instructed to call them. I called them and they verified all of my personal information with the automated systems. Then i was asked about four questions relating to accounts I may or may not have. Each time I answered the questions the automated voice system said that they were unable to help me. I was unable to speak to a representative. I know what accounts I have and don't have. I am positive that I answered all of their question correctly. It is very frustrating that I am unable to speak to a real person when I call. It is also very suspicious timing that I am unable to access my credit report right after I canceled my Paid subscription. I only canceled temporarily because of financial reasons. I still need to have access to my credit report and or free products on a daily basis. I feel that I am being punished by Equifax and XXXX because I filed a complaint and stopped paying them. Please help me.
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the fair credit reporting act, my consumer rights to privacy have been violated. I have a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681  section 602 A., I have a right to privacy and In order to furnish my consumer report I must give Written instructions. I never gave anyone written or verbal consent at any time. 

The Following Collection does not belong on my credit reporXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account # : XXXX
Consumer complaint received 2022-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Around XX/XX/2022 I mailed TransUnion a challenge letter disputing hard inquiries on my report that I did not authorize. On XX/XX/2022, they mailed me the attached letter stating that my written permission is not required to someone to obtain my credit report. They refused to scan my files into XXXX XXXX as required by law. The inquiries were not made by me in person, nor online or on my behalf. After contacting the creditors, they stated nothing could be done on their end and to contact the bureau.
Consumer complaint received 2022-06-02
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. (IL)

In accordance with the Fair Debt Reporting Act. 

XXXX XXXX account # XXXX has violated my rights. 
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 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.
Consumer complaint received 2022-06-02
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. (FL)

I am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXXXXXX and now by the Credit Bureaus Equifax Information Services, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ) why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA Law Day by day. They do what ever they want with your consumer report and No one stops them.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I was sent a possibly fraudulent email and entered in my information. Here is the link I was sent. No money has been taken yet but I am now worried that a possible breach may have occurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (OH)

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-02
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. (MA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX XXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXX and now by the Credit Bureaus Transunion LLC, I sent a copy of my identity theft report, a copy of my social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. 
( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ). 

why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.
Consumer complaint received 2022-12-29
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX2022 ; XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 ; XXXX XXXX/2022 XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IA)

Account is reporting incorrect as account is not mine. XX/XX/2022 was my first try contacting and trying to fix this issue with bureaus. I wrote too XXXX, XXXX and XXXX asking to delete because I do not recall having account. Account was reporting Collection while derogatory and charge off all at the same time. Along with inaccurate Date open stating as XXXX with XXXX and XXXX while XXXX XXXX reported XXXX. Date last active reported as XXXX with XXXX while XXXX reported XXXX and XXXX  reported XXXX is no way that all three bureaus are correct if information is coming from the same furniture data. XXXX and XXXX did remove account as I had requested but XXXX continues to report account and updating date last reported and changed the date opened adding CO to payment history. I have not received any documents stating method of verification! How is XXXX  still reporting this account being accurate while XXXX XXXX and XXXX have already delete it.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (UT)

I was on another call when this company tried to call. They left no voice mail which is a clear indication of an unwanted solicitation style robo call. I called it back. The name wasn't clear based on the heavy accented automated system. The woman that answered clarified the name of the company. She said my number wasn't coming up in her system. I asked if she was a telemarketer. She said no and used a term that clearly identified it as a collection agency even though she tried to disguise it. I politely told her not to call me again and we ended the call. I have no idea who these people are, they don't send any written communication to you before they just start robo calling. I will block every single number they call me from until they send me something in writing to explain who they are and who they got my number from. I'm coming off of XXXX XXXX selling my info without ever obtaining my permission so I'm not privy to strange companies I've never heard of calling me. If they do have legitimate business with me then they should've contacted me via USPS. If their client doesn't have correct info then that's not my problem!
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is about disputing case Case Number : XXXX. 
XXXX XXXX XXXX  XXXX provided an estimate with some one elses license number in XX/XX/XXXX. He told me he is licensed and his license is provided in the contract. I paid him {$320.00} as deposit through capital one card and he started working with my approval to his estimate of {$1600.00}. 
He still hasnt finished job as of XX/XX/XXXX and contract is clear that he needs to finish the job by XX/XX/XXXX. Attached is another photo in XX/XX/XXXX that shows another contractor I hired to finish up XXXXXXXX XXXX XXXX  mess.I actually had to paint my house myself since he dropped me at the middle of the job. 
Capital one closed the dispute stating that the case has passed disputing timeline. I know for illegal contracting, the timeline is consistent with fraudulent actions, which capital one has a full promised protection against. XXXX fraud protection. C XXXX failed on this promise. In california, unlicensed contractor cant take more than {$500.00} jobs or its considered illegal. 
I had a similar case with XXXX and soon got money back after almost a year later ( started disputing around 60 days after last development. In this case, last development of the case shall be latest talk with the contractor, which is XX/XX/XXXX, when contractor proves his job undone and post my interior house photos to the public.
Consumer complaint received 2024-03-18
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. (FL)

This company continues to violate my rights as a consumer by reporting this account to my credit which I have no knowledge of. I have tried to communicate with this company many times and they have failed to respond or provide any proof that this debt belongs to me. I am unaware of this debt, I did not have an opportunity to dispute this information, if in fact they believe they gave me proper notification then please have them send me the certified receipt with my name on it. I want names, phone number, address and email address for everyone who allegedly validated this debt.
Consumer complaint received 2022-12-29
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)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are XXXX  to me : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX