davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-26
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. (MI)

I have a chapter XXXX bankruptcy which was XXXX on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy XXXX explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.
Consumer complaint received 2023-05-02
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-30
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'm 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 are 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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2020-03-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Markoff Law LLC (MI)

I sold a car to a man from XXXX back in XXXX of XXXX. We both signed a hand draft receipt I live in the state of Michigan. He drove from Illinois to pick the car up. I Received a letter in the mail received a letter in the mail In the spring of XXXX advising me the car was impound and they were reaching out to the last 7 owners. I call the city of XXXX and let them know I sold the car and I am no longer responsible for it. The city of XXXX told me they would remove my name as the owner. After that I no longer heard anything about the car until XXXX of XXXX when my bank account was levy for this debt. I reach out to Markoff law multiple times. They will not remove the levy and are trying to charge me for a car I do not own. After I sold the car I am no longer liable for anything that happens.
Consumer complaint received 2023-02-17
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. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-19
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: LEXISNEXIS (PA)

I am filing a complaint against LexisNexis for failing to respond to a dispute I submitted regarding inaccurate information on my credit report. Specifically, there are unknown and unrelated addresses appearing on my credit report, which I did not authorize or associate with my profile. 

On [ XXXX/XXXX/204 ], I sent a formal dispute to LexisNexis via certified mail ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to address these inaccuracies. Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is required to investigate and respond to disputes within 30 days of receipt. However, it has now been over 30 days, and I have not received any response or resolution to my dispute. 

The continued presence of these incorrect addresses on my credit report is a violation of my rights under the FCRA. This inaccurate information has the potential to harm my creditworthiness, and LexisNexiss failure to respond is unacceptable. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that LexisNexis complies with its obligations under federal law to properly investigate and correct inaccuracies in my credit report. 

Thank you for your time and attention to this issue. I look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WLCC (KY)

I received a letter about a garnishment order for a debt from XXXX XXXX. I had wages garnished the same day I received the letter as that was a payday, with no opportunity to stop it. This happened XX/XX/XXXX. 

I called the number in the letter the same day. XXXX, who answered, told me this debt was an online loan made XXXX XXXX, XXXX. There is no record of collections on my credit report, or of this loan. XXXX told me I need to fax or email copies of my bank statements from XXXX XXXX to her company, Apex Servicing, and also file a police report of fraud and send that information. I have not and will not do either. However, my employer said they have to comply with wage garnishment orders and are not sure I will get my wages back. I have since researched both Apex Servicing and XXXX XXXX and found they have been reported to be fraudulent debt collectors. It's incredibly unjust they were able to have my wages garnished with no advance notice and with a false claim of debt owed by me. 

Also the email received says the loan agency is XXXX XXXX, contrary to what it says in the letter mailed that identified them as XXXX XXXX. They didn't even keep the loan agency name the same.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Company Stated It Would Be Best To Close My Account After Paying My Debt That Ive Had With Them. While I Also Had The Full Balance In My Bank Account To Pay Them They Told Me Since I Have The Option To Settle The Debt For Less That Its Best That I Also Just Settle It With Them. Two Things Happened Which Are Harming Me From Obtaining Fair Future Credit With An Auto Lender, The Account Showing Up On My Credit Report Being Closed, And Also Showing That It Was Settled For Less. Its Giving Me Troubles Trying To Obtain New Credit For An Auto Loan. The Bank Discover Is Also Refusing To Accept The Remaining Balance That Made The Account Settled For Less They Tricked Me And Its Harming My Future. This Is Extremely Unfair Credit Reporting. I Was Jobless At The Time Which Is What Caused My Credit To Not Be Up To Date And Paid Correctly, But When I Received The Funds The Bank Told Me To Pay Less Instead. I Just Want My Life In Order And They Made It Worse Instead, If I Could Find A Fix Or To Delete This Account Permanently Off My Credit Report This Would Be Great. Please This Is Extremely Unfair
Consumer complaint received 2023-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2020-03-03
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (IA)

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. 
A company named : SANTANDER CONSUMER USA, XXXXXXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. 
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named SANTANDER CONSUMER USA. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with SANTANDER CONSUMER USA. 
I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. 
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. 
Most sincerely ~
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (GA)

I have been going back and forth for over a year. This has been very stressful. I have not ever had Cellphones up until I signed up recently. They said I opened the account and closed it the same day. This is not true. I currently have service with XXXX XXXX XXXX, and on my credit it's reported that I owe {$310.00}. This is erroneous. 
The consumer doesn't have any outlet if the company makes a mistake or inside fraud. We're left with the head ache
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, XXXX and Transunion ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.
Consumer complaint received 2020-03-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

We sold a home last year and XXXX XXXX refused to credit our account after acknowledging receipt of the payoff amount they requested. That case was reported as case number XXXX XXXX claims to have sent notification to the credit bureaus that our loan was never delinquent and yet here we are three months later and no changes appear on our credit history. PLEASE tell us what we need to do to have our credit history restored to what it should have been before XXXX fraudulently intervened. We need this fixed with all credit bureaus. 

Thank you
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-03-06
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. (PA)

TransUnion continues to display fraudulent information about me. I've tried to remedy this with them in the past, but to no avail. I could care less, about a credit score, being that I am a human being and not a tool for commerce. a set of numbers do not define this human being and never will, so therefore, it is my demand that TransUnion abruptly stop, sharing/reporting my personal information, without my written consent and as far as I'm concerned, they will never have my written consent to report private and personal information about this Consumer. TransUnion has illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB, for protecting his Personal, Family and Household.
Consumer complaint received 2023-01-05
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (AL)

Equifax change my credit report to XXXX XXXX an don't provide no credit score went from XXXX until anything givings me problem to uptain credit I requested my credit score should be placed at good standard conditions XXXX or XXXX do false information that stop me from receiving credit in my name
Consumer complaint received 2023-08-21
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: Exeter Finance, LLC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

I open an account with XXXX in XXXX and it went delinquent in XXXX. This was placed on my credit report in XXXX. I was contacted by diversified consultant about paying this account but they were never willing to negotiate. Now a new collection debt agency has taken over the account and reported this to the credit report bureaus as an account that went delinquent in XX/XX/XXXX. This has affected my XXXX XXXX and I need them to report this information correctly to all Credit Report Bureau. 

The account with XXXX was opened in XXXX and it went delinquent in XXXX not XXXX.
Consumer complaint received 2022-12-24
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. (AL)

I contacted them on XXXX XXXX, 2022 and XXXX, 2022 to provide to me the proper and original documents that I am legally responsible for the amount that they are trying to collect from me. I advised them to get back to me within 30 days and if they dont to remove the accounts off my credit report immediately. I did not give anyone written consent to pull my credit and they have failed to provide the proper documents to me within the 30 day guideline. I have disputed this same concern with XXXX, Equifax and XXXX and all 3 credit reporting agencies have failed to provide me with the proper documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX