davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
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. (TX)

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
Consumer complaint received 2021-01-17
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: Experian Information Solutions Inc. (TX)

I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX  requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I, XXXX XXXX entered a consumer credit card transaction with Capital One on XX/XX/2016 Pursuant 15 USC 6802b Capital One never disclosed to me that I had the option to opt out of this transition being reported. My social security number is an open ended credit plan. 
Pursuant 15 USC 1692g I'm the original creditor, natural person, private individual of this account. 
15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, Capital One is a corporation. 
Capital One also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from a consumer report. 
My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without consent it is Identity theft. 
Capital One have violated my rights as a Federally Protected Consumer several Federal laws under 15 USC 1692 & 15 USC 1681 have been violated.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have noticed the following accounts reporting incorrectly for the following reasons : XXXX XXXX XXXX account # XXXX reporting I was 30 days late XX/XX/XXXX, this was during the COVID-19 shutdowns and is not accurate. I paid this account timely for over 7 years. Please remove the 30 day late that was furnished to the credit bureaus in error. 
XXXX XXXX XXXX account # XXXX Inaccurately reporting I was late 30 days in XX/XX/XXXX. Please update this negative information furnished to XXXX, Equifax & XXXX correctly. 
XXXX XXXX XXXX Mortgage account # XXXX Reporting I was 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not accurate. The account was paid those months. 
Therefore, pursuant to the FCRA and FDCPA, I am requesting an investigation, as the accounts listed above are not being reported accurately. Additionally, I am requesting proof that you did investigate and the investigation was reasonable according to the standards set forth by the FTC. Please, 3. Provide me with proof of the method used to investigate all claims. 
4. Provide me with a complete and updated credit report. 
Additionally, I am asking the above creditors to behave appropriately during this investigation period, if any action is taken which could be considered detrimental to my credit, furnishing false information to other creditors with respect to this account during the investigation period, that would be in violation of the FCRA, FDCPA and FBCA. This includes any information to a creditor that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Consumer complaint received 2021-01-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent letters to XXXX, XXXX  and TransUnion on XX/XX/2020 and XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 4 months and I have not received a response from any bureau yet. I feel like my dispute letters are being ignored and that my voice does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. Since it has been almost 4 months, these items should be deleted immediately. I demand these accounts be removed or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}
Consumer complaint received 2021-01-18
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. (FL)

I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (FL)

I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX, XXXX Account number XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX suggested that I missed a payment on one ( 1 ) of their credit cards although I never did and I disputed this fact with XXXX XXXX. I had an exceptional payment history with the credit card in question until XX/XX/2015. This is when I had an issue with XXXX XXXX and disputed their allegation that I was 30 days late on a payment ( XX/XX/2015 ). XXXX XXXX dragged their feet and then noted me as being 60 days late ( XX/XX/2015 ) than 90 days late ( XX/XX/2015 ). Notwithstanding, I wanted nothing to do with XXXX XXXX and paid the account in full and closed it ( XX/XX/2015 ). XXXX XXXX however in a punitive nature reported to Experian that I paid the account late before I closed it. XXXX XXXX is wrong and their actions are negatively impacting my credit score.
Consumer complaint received 2021-01-16
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)

The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and guilty of false pretenses as evident in her arrests.
Consumer complaint received 2021-01-16
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. (NC)

Completed deed in lieu of foreclosure in XX/XX/XXXX with XXXX XXXX. XXXX never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from XXXX XXXX is non-existent after they get their money from you.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please!
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC ()

My lease account from Nissan started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to NMAC in full, a payment of {$15000.00} was made to NMACE in XX/XX/XXXX. 
NMAC still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off.

I called NMAC, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on XXXX. The dispute processing was completed and the account still shows the late payment. This brought my credit score from XXXX to XXXX!
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. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I found errors on my credit report. I submitted a dispute on XXXX XXXX 2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This account was opened fraudulently. I was trying to apply for an apartment when I got denied because of a collection on my account I was unaware of and thats how this account was brought to my attention. I know nothing of this account and Im on the verge of being homeless because I cant get approved anywhere. I tried disputing this account but it comes back as account accurate. Its disgusting how a system can determine whether or not an account is yours without getting the facts. Its not my account and this is ruining my life. This is not the first account that was opened fraudulently and I was able to get that removed from my report. I will attach the account that was removed because of fraud.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information XXXX  and Equifax are reporting on my credit file for USBK Court XXXX Texas Docket # XXXX and USBK Court XXXX Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT MINE.
Consumer complaint received 2023-05-22
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. (TX)

I mailed letters to Experian, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.