davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I am submitting this complaint to address what I believe are inconsistencies on my credit report. I plan to make a major purchase in the future and my credit is a determining factor in my success. I recently requested my credit report and upon review I noticed there are accounts that appear to be incorrect or erroneous. My intent is to obtain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the accuracy of some of the accounts that reviewed and I am not entirely convinced that all the data within these reporting accounts is factual. As per the Fair Credit Reporting Act, I am permitted to challenge published information that appears to be inaccurate or misused. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy.

Title 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile.

I would appreciate the onset of an investigation so that I might be able to make solid decisions about my credit and repairing it accordingly. I understand that this process takes XXXX days to complete. Once the investigation has begun and has been completed, please remove any accounts with discrepancies in direct violation of the Fair Credit Reporting Act. Lastly, if it is at all possible, I would also like to request a report covering your results and who reviewed my personal information while the investigation was in progress. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 

ACCOUNTS : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (FL)

On XX/XX/2020 I spent several hours in the emergency room at XXXX XXXX located in XXXX, XXXX with a XXXX XXXX issue. My bill was approximately {$6000.00} and my insurance deductible was {$1500.00}. I made several payments over the course of about XXXX year utilizing my XXXX XXXX Account. Like so many people during the last XXXX years, I got distracted with everything going on and neglected to pay the balance remaining of {$300.00} ( copy attached ) which has since been paid off. Over the last several days I have received numerous credit report alerts about derogatory information on my credit report, due to this balance. I have worked very hard to build a strong credit file, my score in early XXXX was XXXX and now has dropped to XXXX. I find it very harsh and disappointing to have a medical collection account for such a small amount have such a negative impact on my credit score.
Consumer complaint received 2021-10-28
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. (NY)

There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
Consumer complaint received 2021-06-13
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. (NY)

What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.
Consumer complaint received 2021-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.
Consumer complaint received 2022-02-13
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. (PA)

I asked Equifax on different occasions to investigate a dispute I submitted regarding incomplete information appearing on my credit report provided by them. The account, XXXX # XXXX, is missing its date of last activity. 

Equifax is required by law to provide me with a complete and accurate report, but they have not corrected my report. ( see complaint # XXXX ) It is a violation for Equifax to knowingly state that something is complete and accurate, when it is clearly incomplete and inaccurate! They can not report that my account is verified and accurate, when it is not. 

Equifax is required to update my file with the missing information, or delete the account. They have not updated my file. The missing date of last activity still exists. The account has not been deleted. 

Since Equifax will not properly investigate, I am requesting that this account be immediately removed from my file.
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (PA)

A collection appeared on my credit report from security credit services in midXXXX. I have never received anything from them regarding this collection. I have called them every single day beginning XX/XX/XXXX in order to attempt to get them to verify the debt. They have yet to answer the phone & I have left a voicemail each day requesting that they return my call. They have yet to do so. I have also sent a letter, dated XX/XX/XXXX and have yet to receive a response. It is unfair that this is on my credit report when the company is making it impossible to verify and/or resolve the debt.
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-11
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. (GA)

XXXX please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Equifax please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXX XXXX XXXX XXXX XXXX I will provide letters from the fraud specialist and attached these letters to each credit bureau.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Consumer complaint received 2022-07-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

My case relates to bankruptcy that was disputed. 

On XX/XX/XXXX, I requested verification from the courts on how information is reported to agencies. In response, they sent a written notification on XX/XX/XXXX stating that courts do not provide information to credit reporting agencies. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) on XX/XX/XXXX and in violation of the Fair Credit Reporting Act. 

In response, Equifax stated the information was verified on XX/XX/XXXX, XXXX, However, this is false because courts don't report to agencies/credit bureau. 

As a result, I would like for CFPB to investigate this matter.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I've repeatedly tried to dispute and resolve this issue with National Credit Systems as well as the credit bureaus. They are in violation of FCRA 15 usc 1681, furnishing and reporting inaccurate information on my reports. They're also misstating the balances. The documents that National Credit Systems sent me to attempt to verify the alleged debt owed from the original creditor is {$1600.00}, however NCS is furnishing a new balance of {$1600.00} showing 1 % of the debt was recently paid on all my credit reports. Again I have no account or business with this company or gave my permission or written consent to allow them to report anything. They have been in default with providing me ALL requested documents or documents producing my wet signature of agreeing to allow them to collect. They refused to provide agreement between the legal stand on this collection in SC with the original creditor. There has been no payment made at all that supports the false information and different balances. The credit bureaus as well as National Credit Systems are not upholding the law but instead are using deceptive measures to collect and furnish obsolete inaccurate information. Under the law this account should have been removed and not allowed to continue to be a defamation of my character. This should be removed immediately from all my reports. Failure to do so will force me to sue and take legal civil actions against all parties.
Consumer complaint received 2021-06-13
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: Experian Information Solutions Inc. (NY)

This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in Advance.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NY)

I have a credit card from ( avant ) And by XX/XX/XXXX I found many fraud activities in my account. Took all my and left my account over draft I checked on the social media and found a tons of people had same issue that looks like some people hacked avant system and stool our money We tried for hours to reach any body there without any responding Theres 2 transactions went through 1- {$10000.00} 2- {$12000.00}
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XX/XX/XXXX : Account # XXXX XX/XX/XXXX : Account # XX/XX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2021-06-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I XXXX XXXX had my TD savings account, password, and phone changed accessed and funds transferred to two additional accounts, one savings and one checking opened, the suspects, transferred {$500.00} from my savings into the new savings on XX/XX/21, and then proceeded to move approximately {$11000.00} into the new fraudulent checking account, I was notified of the incident at work by Fraud Resolution on XX/XX/21 via telephone, and proceeded to the XXXX XXXX, NJ branch, to close the fraudulent, and existing accounts to open a new one, the money thankfully was not removed from the bank, and the incident was turned over to XXXX XXXX  according to bank employees, pending investigation. 

I have also been compromised with my XXXX  XXXX savings account, a additional checking account, as well as, phone number, address, and password changed, the suspect was able to transfer funds {$2000.00} from my savings into the fraudulent account created, these funds too were detected before being removed from the banking institution, it should be noted that while on the phone with a rep from XXXX  XXXX named XXXX, she informed me that the suspect was making a attempt to transfer {$100.00} from my XXXX  XXXX account that he fraudulently opened, to my now closed TD savings account.

I have contacted the three credit bureaus, social security administration, as well as my other banking institutions, in addition to filing this report with FTC
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX/XXXX in the amount of {$330.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.
Consumer complaint received 2015-11-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc. (TX)

This is in supplement to my complaint no. XXXX. Further investigation has revealed that Conn 's closed this account on XXXX/XXXX/13, showing a balance due of {$4300.00} and indicated the account was " purchased by another lender. '' XXXX XXXX then attempted to collect this invalidated debt but was forced to close the account when they could not validate it, and removed it from my credit listings on XXXX/XXXX/14. XXXX 's has left this invalidated debt on my credit listings for more than a year after it was removed by XXXX XXXX due to it being an incorrect and invalidated account. Attached is an excerpt showing the account was removed on XXXX/XXXX/14. XXXX 's individual listing should have been removed at the same time. They can not validate the debt and it must be removed.
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MD)

I checked my credit report recently and I keep seeing a debt from paypal credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately