davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  Account 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-01-03
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 XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2021-02-19
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. (PA)

To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I am writing to request the removal of inaccurate late payment information on my XXXX, XXXX and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the Goldman Sachs Apple Credit Card firm since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, XXXX, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my Goldman Sachs Apple credit card account ( Goldman Sachs is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 Apple credit card payment inaccurate.
Consumer complaint received 2024-03-21
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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2023-02-19
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. (KY)

In accordance with Fair Credit Reporting Act XXXX  accounts 1. XXXX XXXX XXXX # XXXX XXXX 2. XXXX XXXX  # XXXX  XXXX 3. 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 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

I also have a derogatory mark that was caused account number 2. Listed above.

I also have disputed removing my hard inquiries from my account and they have not done that for me either.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly sent disputes to TransUnion, XXXX, and XXXX regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30 days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.
Consumer complaint received 2022-11-01
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$850.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-18
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 — Their investigation did not fix an error on your report
Company: Team Recovery Inc. (OH)

I disputed inaccurate information on my credit report with XXXX, XXXX, and XXXX. XXXX  and XXXX  has deleted the inaccurate information but XXXX  refuses to do so. Ive sent them copies of my credit report but they keep reporting it. The company has not sent me any contract or anything due to these collections not even being mine, the company has yet after 6 months to send me anything with my signature on it stating that these collections are mine. 
XXXX  and XXXX  have deleted them and I want XXXX  to do so as well its messing me up at getting approved for the house of my dreams because These collection are not mine.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-02-18
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACCESS GROUP INC. (MI)

I was paying on Access Group loans when with XXXX XXXX. Paid them for years. When came time to renew the lady XXXX would not return my calls. After that it passed to another company and I set up payments and they never took them. Then it ended up with XXXX XXXX XXXX XXXX XXXX. They called my mother and not me so I sent them a letter to provide proof of them acquiring the debt after it being bounced around. They never provided that written verification of debt and its been months, well past the time allowed once written verification of debt received. I believe the person was XXXX XXXX. I also was being contacted during the student loan payment freeze time when federal loan payments were frozen by debt collectors and I was informed that all payments have been frozen during the pandemic for federal loans. So now I guess XXXX XXXX XXXX XXXX Access grp has it. I never was contacted by phone or received any notification by them of who they are and how they acquired the debt but the company they acquired it from failed to verify the debt during the allowed time and also I was being asked to now pay during a time when federal loan payments are on hold. I also never have been contacted or served in any way. Had I not received two letters from lawyers trying to represent me today, I would have never looked my own name up in the XXXX district court database and found that a XXXX lawsuit was filed. So I am grateful to those lawyers for their letters in the mail. I had never even heard of or been contacted by XXXX and still have not received anything. The only reason I know anything is because of the lawyers who must have been looking in the system for new suits filed. The company prior to XXXX should have the written letter asking for verification of debt. I have been a victim of identity theft which is on file in XXXX. My mother was even contacted about a fake debt a debt collector bought unknowingly. It was for a cell phone she didnt have and the real company didnt have any record of any accounts in her name. Considering all the scammers out there, I cant just take the word of someone saying they are who they say they are. Last time I checked, I thought a company had to at least contact you before they could sue you. I also was not aware that when you asked a company for written verification of the debt and how they acquired it, that they could not respond and then sell it to someone else who would fail to contact the person and then sue them without due process and while federal loans are supposed to be on hold. All of my department of education loans are on hold and I didnt have to do anything. I want this removed in the court.
Consumer complaint received 2021-02-19
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. (PA)

To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS
Consumer complaint received 2020-07-11
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: Nationwide Recovery Systems, Ltd (AL)

I have reported the following accounts on multiple occasions since XXXX 2020 using the identity theft methods made available to my by the local police and online resources. XX/XX/XXXX has done nothing to remove this account after countless contact with them regarding incorrect information. The following items are still reporting incorrectly.
Consumer complaint received 2021-02-18
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. (MO)

I disputed multiple accounts with XXXX, XXXX  and Equifax for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be removed from my credit report.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed multiple accounts with TransUnion, XXXX and XXXX  for over 6 months. During this time items reporting from the agencies are still inaccurate and Ive asked numerous of times for the items to be removed by dispute letters and still no action. Im writing asking for help to get these agencies to remove the incorrect info that has been sold to other agencies, incorrect data, incorrect personal, total amounts due, closed accounts to be removed from my credit report.
Consumer complaint received 2021-12-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

On XX/XX/XXXX i received my receipt for paying off my debt from IQ Data systems. Since then i have repeatedly been harassed by the companies employees. They continue to contact me without investigating on their side where my money went, I have asked every single person that has called me to please get with their management to help them find the payment and all they do is continue to call me and harass me via phone with an entire new person on the line and all the employees claim that I end the call but they are the ones ending the call because i refuse to pay them a debt that has already been paid. 

This has been going on since XXXX and to be completely honest prior to paying the debt the employees yelled and talked in a very aggressive manner when i asked them for more time to pay. 

I would like to please have them stop calling me and harassing me please.
Consumer complaint received 2021-02-19
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 have been tiresly fighting months at a time to get these accounts that were never verified nor authorized by myself removed from my credit report, these accounts is making my life all the more challenging. I have written letters and have reached out to the companies associated with these accounts and no one has yet removed these unauthorized accounts from my credit report! I have filed a police report and will be taking additional measures to securing myself and financial reputation from such fraud activity!
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (RI)

I had a loan that was 360 %. I had no idea however I paid it off in full and its still going. I called the company and it is still not resolved and the debt just keeps going up. Even though I had already payed it off in full. The company in name is called speedy cash. I already talked to them and explained I payed the debt off in full even though it keeps going up with each passing day.
Consumer complaint received 2021-02-19
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: EQUIFAX, INC. (GA)

For the past month, I have been trying to get a total of 18 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : An toy scion mall of ga # XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( Tuesday, XX/XX/XXXX ), XXXX XXXX ( Friday XX/XX/XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/XXXX ) XXXX XXXX-indirect ( Monday, XXXX XXXX ) XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX XXXX ( Friday, XXXX XXXX ), XXXX-Auto Finance ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( wednesday, XXXX XXXX ), XXXX XXXX ( wednesday, XXXX XXXX ) XXXX  XXXX ( wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX ( monday, XX/XX/XXXX ). I sent dispute letters to Equifax to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Consumer complaint received 2021-02-19
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. (AL)

There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. Experian Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Experian is not up holding the law of the FAIR CREDIT REPORTING ACT!