davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting 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 have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am responsible for this one and it should only be showing once. 
XXXX XXXX XXXX XXXX XXXX XXXX  I am not utilizing any of these institutions and has never conducted any business with them.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

ther are XXXX collection account from XXXX # XXXX and # XXXX, both are paid by my ins XXXX and XXXX, whatever aproved billing, it should be removed from my report, and another one from XXXX hospital which was paid # XXXX, shhould also be removed, and last one is fromXXXX XXXX # XXXX do not belong to me, this should be removed too
Consumer complaint received 2023-01-14
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. (AL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 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 2023-01-14
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: EQUIFAX, INC. (DC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (AZ)

XX/XX/23 i sent experian a letter asking them to verify the debt that they are claiming to to be reported on my credit. I have waited XXXX  days and they have not responded to my request and have not even let me know they are processing things
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, Account # XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description
Consumer complaint received 2023-01-15
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. (MD)

I was looking through my consumer report and noticed a debt from XXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Transunion is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant XXXX5usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Transunion has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED.
Consumer complaint received 2023-05-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am of victim identity theft and have contacted Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, XXXX and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, Bank of America # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am submitting a complaint to request that you will take immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NM)

In the middle of XX/XX/2022, I learned from alerts through my XXXX XXXX account that my XXXX  score had dropped dramatically. When I researched it I learned that collection was being attempted on a debt that XXXX XXXX claimed I had with them .. when I didn't respond, they referred the debt for collection. 

This the text of a letter I sent to LVNV Funding LLC challenging a debt claim. A similar letter was sent to XXXX XXXX. 

________________________ LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference numberXXXX I received your letter of XXXX directing payment on a delinquent account on behalf of LVNV Funding and XXXX XXXX XXXX 
This letter is to notify you that I am challenging the claim. 
1. Ive never had any transactions nor communications with XXXX XXXX. 
2. Ive neither applied for nor received a {$6000.00} loan as your letter describes, however... 
3. My research yields : a. On XXXX someone opened a savings account and acquired membership with XXXX XXXX XXXX XXXX in VA in my name using an email address which wasnt mine and a phone number which wasnt mine. 
b. I spoke with a representative from XXXX who advised that the person also applied for a {$6000.00} loan about the same time. 
XXXX XXXX month later on XXXX the savings account was closed by XXXX as the loan application was found to be fraudulent. The loan was denied and no funds were disbursed. 
d. On XXXX XXXX opened an account and began to add late payment claims to XXXX. This continued until recently, LVNV added a collection/charge off claim with XXXX on XXXX, and XXXX added a, New Non-Medical Collection to XXXX on XXXX. 

____________ The total debt is shown as {$6100.00} I received a letter from Resurgent on behalf of XXXX XXXX XXXX advising that they had initiated a review of XXXX 's inquiry. I don't know how XXXX got involved. I challenged it and filed a complaint with them. 

I've also filed a police report with the local police .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX advising that I had a checking account with their bank. They report a positive balance of {$6000.00}. I did not open this account. 

***Also .. the email address showing in this form is not correct and even though I am advised to correct it in my profile.. I can't find my profile. The correct email address is XXXX. ***
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MA)

I used American Express ( AMEX ) membership rewards to make a purchase with XXXX on XXXX. Immediately after placing the order I cancelled it. The points were still debited from my AMEX card account. XXXX did not debit the points, and AMEX won't refund the points because they maintain that XXXX has them. I've been trying to get the points reinstated to my account. The estimated value of this transaction is more than {$900.00}. I've been calling AMEX and XXXX repeatedly and continuously getting the " run - around '' where each entity is pointing the finger at the other, meanwhile I am out this money.
Consumer complaint received 2023-06-10
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. (TX)

I have a loan with XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information : XXXX XXXX XXXX XXXX Balance : {$7400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion about a hard inquiry that I did not authorize. Transunion told me I need to get a letter of deletion from the actual company XXXX XXXX XXXX listed. I called that company and they informed me to dispute with transunion to look into the issue. I have gotten the run around from both XXXX and transunion. XXXX told me that they cant find where I made the inquiry but somehow it ended up on my credit report. This is a mistake that I can not get Transunion to look into. XXXX repeatedly told me that they do n't give deletion letters. Transunion told me they ca n't do anything about the removal of the inquiry without the deletion letter. I am lost and do n't know what else to do.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-12-28
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)

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 U.S Department of Education : 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 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 2023-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council (CO)

I have been a XXXX  at XXXX for XXXX weeks now. i have filled out every form and application required from me to pay for my education and other expenses that are allowed to be budgeted into my student budget. i have not received one red cent from my college yet! i can clearly see that my money is ready and available to me. this is money i signed for using my social security number. i am also responsible for the repayment of all approved moneys. i do have bills that i am responsable for paying while i a XXXX XXXX XXXX at XXXX. my school is holding onto MY MONEY until i submit proof of graduation. so fine i have done this in more than once. now my school is claiming that they are not going to be able to accept my diploma because the school is not accredited. this is horse hockey!!! my homeschool located in XXXX texas is VERY accredited!!! now they want me to provide transcripts. this is just another hassle that i do not need to waist my time on. i could use my time more productively and wisely doing something else with higher priority. i do not feel my school is being as proactive as i am being at furthering my education as a single handicapped lady. nor has my financial advisor been forth coming and showing compassion about how my student accounts are being handled. now i did not lie about what homeschool i graduated from. this school is a REAL live place!!! i di not make that up either. there is alot of money that has been awarded to ME to pay for my education and other bills that play a very important role with my further educational costs. so instead of accusing me of falsifying a school. they should be helping me. not trying to set me up for failure. this is my money and i need it now!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

Several months ago I was contacted by National Credit Adjusters about a payday loan they claim was from about ten years ago. I informed them then that I do not have nor have I had a pay day loan. I informed them I disputed the debt and requested proof, which they said they would send. A week or so later I received a packet addressed to myself from them. When I opened it, it was documentaion for someone from California, including what I would consider private personal confidential information. I immediately contacted the collection agency and informed them that they did not send me proof of anything, but in fact sent someone else 's personal information to me. The girl told me I could go to jail for opening someone else 's mail. I explain the envelope from them was made out to me, I did not open someone else 's mail. She asked again how I wanted to pay the bill and again I told her I dispute the debt and wanted proof which she said she would send. Nothing was received after that call. I received a call from someone again a couple weeks ago asking how I wanted to pay the debt. I explained everything to him, explained I've already disputed this twice and that they have never sent me any proof this is my bill and I was not paying something I don't owe. He said he would send proof, which again I did not receive. A few days ago another girl called and we went through the exact same thing. I also told her I dispute this and that she never sent me proof. She sent me a letter stating that I and 'National Credit Adjusters were not able to agree to a payment arrangement on the account referenced '. That is not an accurate statement, as I have DISPUTED this on multiple occasions and on at least three occasions I have requested they send me proof, which has not been done.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry.