davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) 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.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft.

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I tried to make online purchases from multiple websites using my American Express digital gift card, but it always failed. I ended up forgetting about the card for awhile and it expired on XX/XX/23. The cardholder agreement XXXX XXXX XXXX XXXX XXXX says the funds do not expire, and a new card will be issued if requested. I called today ( XX/XX/23 ) around XXXX XXXX, and was told that the balance was {$25.00} before the expiration, and now the balance is {$0.00} due to the card expiring and they will not issue a replacement card or reissue the funds to me.
Consumer complaint received 2022-05-04
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: Avant Holding Company, Inc. (NY)

Unauthorized hard credit inquiry on XX/XX/22 Company : XXXX XXXXAvant LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I contacted the company to inform them of the fraudulent activity they suggested I contact the fraud department and wait for a response in 5 to 7 days.

Avant did not offer me any information as to who or what information was used to obtain my credit profile but I would like this to go on record as a dispute.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC (NV)

On or about XX/XX/2023 I received a notice for rent increase/failure to pay rent notice on my door, along with every other tenant. XXXX XXXX XXXX was in a transition period with management and staff. Upon receipt of the notice I reached out to XXXX, the interim manager, who explained the letter was incorrect and would be corrected. After two weeks of attempting to contact management or any staff with no call back or return email, I had no choice but to give my thirty day notice. Upon move out I paid rent and returned my keys to XXXX, a fellow resident who also was the interim maintenance person and XXXX XXXX XXXX. Using XXXX 's phone, we reached out to XXXX, whom stated the thirty day notice will be honored and my security deposit will be returned within thirty days of move-out. I woke up Sunday XX/XX/2023 to see that my credit had been hit with a collection, which I had no idea was outstanding or even owed. There has been no communication, breakdown of costs, explanation, invoice or evidence to prove this claim is legitimate. I have reached out to Credit Bureau of Lewiston to no avail.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I HAVE NEW and UPDATED information regarding the previously submitted claim. 
I have contacted CFPB previously regarding this company reporting negative information to my consumer credit report ( claim XXXX, XXXX, XXXX ) I have sent them a cease and desist, I have requested for validation of debt, and they keep sending the same information that does not validate this alleged debt. I have never contracted with them nor authorized this. I filed an FTC report, and yet they have closed the complaints and still reporting. 
I have contacted the XXXX  regarding the same issue and NCB has responded that they have ceased all attempts at communicating with me, however, they still are reporting the negative information to the credit reporting agencies and a consumer credit report is a medium of communication. 
This company not only has committed identity theft but continues reporting negative information after a cease and desist.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you to put a security freeze on the disclosure of my credit consumer report. Also, I wish to opt out of any credit reporting done within my personal information. Under the Fair Credit Report Act youre required to comply. I do not give you my permission to disclose my information.
Consumer complaint received 2022-05-04
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (WI)

Equifax still reports a collection account even after I submitted proof of payment from the original creditors. I opened up an investigation and attached the proof of payment and they came back saying the information reported is correct. How can they do that? Dont I have rights over my own credit file vs a unreputable collection agency. 

Also they dates reported as the actual debt are wrong. Debt was from 2014 and shouldnt even be on my file.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (NJ)

I have a paypal account and was TOLD I was to receive a Debit/Credit card from PayPal and " asked '' if I wanted to opt out. If so, I had to log onto the paypal site and affirmatively decline the card. I did so, and was confirmed that I had opted out and would NOT receive a credit/debit card from Paypal. Just now I received an email from PayPal claiming that I was to receive a PayPal credit/debit card within the next few days and that if I didn't want it I had to affirmatively go on the PayPal website and close the account. How can they do this? In my research I see that they were hit with a {$25.00} XXXX dollar fine for doing this in 2015. I believe this is illegal and will adversely affect my credit rating to have to close an account which I did not consent to open in the first place. I am very angry and want this stopped. To me this is bordering on identity theft, to create a credit card without a consumer 's permission and then send it through the mail where it may get lost or stolen and be floating around out there in someone else 's pocket and I have no idea that it is even out there if I didn't pay attention to my email and see that this company had issued a credit card in my name that I didn't ask for and then I would have to affirmatively take the action of closing something as serious as a credit card account that I might not have been aware of. I thought this sort of behavior was made illegal in the XXXX. How can they get away with this? Please stop them.
Consumer complaint received 2023-03-31
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. (NC)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-02-27
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. (FL)

There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, XXXX XXXXl for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted
Consumer complaint received 2022-02-27
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. (WA)

XXXX and Equifax were contacted with legal documents to update and close XXXX child support because there is no longer ANY debt. Both companies are refusing to update said accounts that are in error as per FCRA. XXXX and XXXX even shows an astronomical monthly payment and heres proof : XXXX OF CHILD SUPPORT Account number XXXX Account type Family Support Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$39000.00} Original balance - Highest balance {$0.00} Terms 1 Months
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transuion XXXX XXXX XXXX XXXX XXXX, IL XXXX United States, XXXX, IL XXXX Re : file number XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Transunion continues to block me from the ability to dispute accounts that are being reported on my credit report by abusive collection agencies with malicious intent who are in violation of the FDCPA. " Legitimate '' proof of debt not provided by any of the aforementioned collection agencies. Transunion may be protecting these collection agencies with no merit. Below are a list of a few collection accounts in which are abusively reporting and ignoring requests from this author. In addition, they have failed to acknowledge the documentation that I have sent them. 



( 1 ) National Credit systems Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account ( 2 ) Rent debt Automatic collection Address XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$2900.00} Original Creditor XXXX XXXX XXXX 3- 2 collection accounts from XXXX
Consumer complaint received 2022-02-27
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. (WA)

Experian and XXXX were contacted with legal documents to update and close XXXX child support because there is no longer ANY debt. Both companies are refusing to update said accounts that are in error as per FCRA. Experian and XXXX even shows an astronomical monthly payment and heres proof : XXXX OF CHILD SUPPORT Account number XXXX Account type Family Support Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$39000.00} Original balance - Highest balance {$0.00} Terms 1 Months
Consumer complaint received 2022-03-22
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-27
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. (MD)

I am writing to delete the following information in my file. The items need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-27
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. (MD)

I am writing to delete the following information in my file. The items need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-27
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. (MD)

I am writing to delete the following information in my file. The items need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First National Collection Bureau, Inc. (MI)

I have been receiving calls on a regular basis from a company who claims that I owe a debt. I have asked on multiple occasions for the calls to stop and advised that I do not have any debt, and that I can look my credit report up right now and prove that, yet the calls keep coming in. I advised that I know my rights and that if I ask them to stop calling that they have to yet I am met with rudeness and nastiness and the calls continue. I advised that I would be filing a complaint with the last phone call.
Consumer complaint received 2022-05-04
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX and experian are reporting multiple inquiries on my account that I never authorized I was a victim of identity theft There are addresses on file that should not be on there Only XXXX XXXX XXXX XXXX XXXX fl XXXX should be on there They are reporting a collection account from XXXX XXXX that does not belong to me XXXX XXXX and experian are reporting a lot of inquiries to whom i dont have credit with and those inquiries need to be removed immediately I already sent in a idenity theft report