davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (OR)

I recently reviewed a copy of my credit report in Experian. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries. 

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX OF XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2020-04-12
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: EQUIFAX, INC. (NJ)

XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( XXXX, Equifax, XXXX and XXXX )
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  XXXX, disrupting my sleep and peace of mind.
Consumer complaint received 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1..This account is not mine, I am a victim of identity theft. Please remove it form my credit report XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2020-04-12
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. (CA)

Transunion : Requested verification of collection account from XXXX. Transunions XX/XX/XXXX responded with account has been verified by the XXXX. 
I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; XXXX XXXX. App. XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ). When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in Spears v Brennan. 
I forwarded this information to Transunion and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX  ''. My recent credit report from Transunion still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Consumer complaint received 2020-04-12
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. (MO)

My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX  {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) XXXX XXXX XXXX
Consumer complaint received 2020-01-02
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 — Was not notified of investigation status or results
Company: Financial Accounts Service Team Inc. (TN)

I have requested debt validation TWICE from Financial Account Services for several accounts that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.
Consumer complaint received 2023-07-13
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-12
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$5600.00} XXXX {$590.00}
Consumer complaint received 2020-04-12
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. (MO)

My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (PA)

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 2024-01-10
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. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in XXXX.
Consumer complaint received 2020-04-13
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. (GA)

Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {$XXXX} every XXXX weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (GA)

Someone called said they were with credit card services for XXXX XXXX, XXXX, XXXX, and Discover card. They new my balance, last payment and future payment date on a Discover and XXXX I own presently. They said they were going to lower my interest rate on those cards and any others that I have.
Consumer complaint received 2020-06-12
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. (MN)

The following unauthorized fraudulent inquiries on my report is an act of identity theft. I'm demanding that the credit reporting agency known as TRANSUNION, remove these inquiries from my credit file immediately and/ or show just cause and The Method of Verification in to this matter. I'm demanding physical documentation that verifys these actions. Please remove the following unauthorized inquiries. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX  ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX  ( XXXX )
Consumer complaint received 2020-04-13
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. (GA)

Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {XXXX} every two weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.
Consumer complaint received 2020-06-12
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. (MS)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1700.00} XXXX {$1600.00} XXXX {$640.00} XXXX {$200.00}
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.