davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove this.
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

My Credit Status has been ruined by collections agencies that I have no idea who they are and keep sending me letters asking me to pay XXXX Premium  $ {$1200.00} XXXX XXXX XXXX {$320.00} And there are some accounts from 8 or 10 years ago still open and it has brought my Credit score down.I need to clean up all these things and protect my Credit Status, How can I dispute these issues, please? 
Thank you, XXXX XXXX
Consumer complaint received 2020-06-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In a letter dated XX/XX/2020, I sent a 609 verification letter to Trans Union. 
Tracking number XXXX XXXX XXXX XXXX XXXX. 
This letter was delivered on XX/XX/XXXX at XXXX I asked that 3 accounts be verified. 


On XX/XX/2020, Trans Union sent me a response saying that the accounts were Verified, but did not say how. In addition, Trans Union did not respond until XX/XX/XXXX. 

On XX/XX/XXXX, I wrote Trans Union a letter ( XXXX XXXX XXXX XXXX XXXX ) delivered XXXX XXXX. Stating that XX/XX/2020, is much beyond the 30 days and that per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts entirely from my report. 
Trans Union did not delete XXXX  XXXX XXXX, XXXX, and XXXX XXXX as required by law. 

On XXXX XXXX I also wrote a separate letter, XXXX XXXX XXXX XXXX XXXX that was also delivered XXXX XXXX that that I made under FCRA 611 ( a ) regarding USBK Court Kansas docket XXXX and USBK Court XXXX Missouri Docket # XXXX. As of today, XX/XX/2020, I have not received any correspondence from Trans Union. This is FAR outside of the 15 days and by law must be permanently deleted.
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC (MS)

I faxed a cease and desist letter to Ability Recovery at XXXX on XX/XX/2020. Got a confirmation that they received it. The have called me 2 days in a row XX/XX/XXXX and XX/XX/2020. This is a violation of Fair Debt
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. (FL)

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 1XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

The credit reporting agencieXXXX XXXX and XXXX continue to report my XXXX XXXX platinum credit card ending in XXXX as a charge off. However, I was a victim of a XXXX in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to 3 years in XXXX for the crimes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this charge off account from my credit report agencies as it is a result of fraud.
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. (NV)

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 XXXX XXXX XXXX. 

Account Name : ACHIEVE PERSONAL LOANS Account Number : XXXX Account Name : LENDING PT Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : BMOHARRISBK Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$230.00} XXXX {$18000.00} XXXX {$100.00} XXXX {$22000.00}
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$230.00} XXXX {$18000.00} XXXX {$100.00} XXXX {$22000.00}
Consumer complaint received 2020-04-13
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. (TX)

On XX/XX/2020 i sent a certified letter to Transunion stating that I did not recognize the inquiries that was listed on my Credit report and they should be removed immediately. 

One month later I received a letter stating my written authorization may not be required to obtain copies of my credit report in which i did not authorize. Again on XX/XX/2020 I sent another certified letter demanding that this information be removed that this was in violation of the Fair Credit reporting act. 

On XXXX XXXX i was then sent another letter of Explanation of the inquiries on my Credit Report. Still the information remains on my credit report in which i did not authorize.
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. (CA)

I was denied from getting a credit card with XXXX XXXX today XX/XX/20 because apparently there are accounts reflecting badly on my credit history ; I was not aware of these accounts and the reason for that is because none of those accounts are mine. The accounts are from these companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name. I am not affiliated to any of the companies I listed nor do I have any written/verbal contract with any of them. I did not benefit anything from these unauthorized accounts and I did not take part in any purchases or payments made towards these accounts. I have already filed a police report regarding these accounts.
Consumer complaint received 2020-04-13
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a certified letter to Equifax Credit reporting agency asking them to please validate the XXXX   XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. On XXXX XXXX I was sent an updated Equifax Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. I have yet to be provided with that information and the debts still remains on my credit report.
Consumer complaint received 2020-04-12
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. (CA)

Equifax is supplying banks and other institutions my credit report with a large amount of inaccurate and expired information which cause me and the corporation I am president of to not be approved when opening an application for credit or bank account.
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. (CA)

I was denied from getting a credit card with XXXX XXXX today XX/XX/20 because apparently there are accounts reflecting badly on my credit history ; I was not aware of these accounts and the reason for that is because none of those accounts are mine. The accounts are from these companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name. I am not affiliated to any of the companies I listed nor do I have any written/verbal contract with any of them. I did not benefit anything from these unauthorized accounts and I did not take part in any purchases or payments made towards these accounts. I have already filed a police report regarding these accounts.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation (NY)

On XX/XX/XXXX, I filed a claim for {$800.00} regarding an ATM error. I filled out the claim forms and sent it back promptly on XX/XX/XXXX. I then called Card.com to inform them that I uploaded the documents online and they said they received it and that I would receive a provisional credit on or before XX/XX/XXXX. I waited until then and nothing happened. I called Card.com on XX/XX/XXXX to inquire about my provisional credit. I was told my claim would be escaladed within 24-48 business hours. I called again on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and was told the same thing each time I called : your claim will be escaladed and you should receive an update or a provisional credit, which never happened! Then, I noticed on XX/XX/XXXX that my online access and card was restricted. I called and was told that my account was blocked due to fraud and I wouldn't able to receive direct deposit ( I get paid on this card every Friday by the way ), and my card was blocked. I was asked to send pictures of the following via e-mail to verify my identity : Social Security Card, State ID, and utility bill. I sent those documents on XX/XX/XXXX. The representative said it would take 24-48 hours to process and subsequently remove the block. That never happend. First my card was blocked, then my entire account. I never received an explanation behind why my account was blocked from in the first place ; I never filed a fraud claim! Anyway, my direct deposit was blocked like they said they would, and my account is literally inactive. I rely heavily on this card, because I get paid weekly on it and my stimulus check is suppose to be deposited on this card too.
Consumer complaint received 2020-06-12
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: PENNYMAC LOAN SERVICES, LLC. (CA)

Our home was burnt down in the XXXX XXXX XXXX on XX/XX/XXXX. This would make our last payment to XXXX XXXX XXXX, our mortgage company, XX/XX/XXXX. Due to the disaster we were put on a forbearance plan. During this time we were bounced around with multiple people assigned to us. Every time we received a check from our insurance company it went straight to XXXX XXXX in order to pay off our home. The forbearance ended on XXXX of XXXX and due to waiting on checks from our home insurance and the time it took for XXXX XXXX to actually put the checks toward the loan and get approval, the house loan ended up being paid off In XXXX of XXXX instead. ( One month late ) Resulting in XXXX giving us a 120+ late  payment, stating they would count our last payment to them being on XX/XX/XXXX instead. There was not enough communication between XXXX and us to give us enough knowledge to know what steps to take next and know what kind of consequences lie ahead if the loan was not paid off. There were no options explained to us, no extensions mentioned, little to no communication. There were times they claimed to have lost our checks on MULTIPLE occasions. We feel we have been wronged in this and ask for your help. We paid off our house and tried to within the first year. The second they received our checks they shouldve deposited them toward the house, not held onto them causing some to be lost in the process. We might not be the only people they took advantage of and dismissed. We do not deserve to have this on our credit when there was no effort on their end to help us. We can not get a loan to get a new house because of this. We are stuck and it is not our fault.
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)

I'm requesting for the XXXX major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}
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. (NY)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account # XXXX Experian : I requested verification of collection account from XXXX XXXX XXXX. Experian XX/XX/XXXX responded with account has been verified by the XXXX  XXXX XXXX. 
I contacted XXXX XXXX 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 ; 2001 Ind. 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 XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX XXXX ( USA ) stating that XXXX XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in Spears v Brennan. 

I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX XXXX ( USA ) ''. My recent credit report from Experian 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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have an Capital one Auto Finance and they have me reported late 7 times - is incorrect, I had agreement for payment that was supposed to place at the end of agree and they were counted as late and I paid XX/XX/2020 and still reported as late and is cause me to be unable to obtain an loan and difficulty to obtain housing or any other loans, XXXX XXXX XXXX acct ending XXXX, please reach out to them to assisted me XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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: SANTANDER HOLDINGS USA, INC. (FL)

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

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

15 U.S.C 1681 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose