davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (TX)

FCRA violations : payments never late XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 11 days 2 FCRA violations : inquires not mine XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022
Consumer complaint received 2019-06-22
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: General Motors Financial Company, Inc. (CA)

XXXX 2019-Current GM Financial My automatic payment had been stopped, without authorization by me ( was set up over the phone upon getting the GM Financial loan initially ). Apparently GM financial stops automatic payments after 20 months, and I was not aware. I logged into the GM Financial website randomly in early XXXX, and was told notified via the GM website that my account was past due. I entered my account/banking information to pay, thinking this was unusual but considered it a fluke since I had been paying automatically for YEARS. After I entered my payment, it said my payment was processing. 

I followed up by logging in today to make sure this month 's automatic payment would go through, and see that my last payment was never processed, and now I've been turned over to collections. I've never had a late payment on any of my accounts, and this is going to ruin my credit. 

Up until I had logged in and noticed my account status, I had NEVER been contacted. I spoke to a representative today who told me they had an incorrect number in my account, and had been calling an old number. 

I'm asking that GM Financial please remove this from my credit report, especially since their system for payment failed, and they failed to contact me.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX fied XX/XX/XXXX. CApital one still has not addressed. The credit bureaus are still reporting information wrong on my report for multiple accounts from cApital one. I asked for a full detailed method of verification report. Capital one has done nothing prior. I filed the complaint with your bureau XX/XX/19 and still Capital one has done nothing. If they are going to report negatively they NEED to send the method of verification required by law. They are refusing to do so or even answer you. This is unacceptable and a violation of my rights.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (FL)

Filed a dispute with XXXX Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. 

Account referred to XXXX XXXX XXXX by RISE Credit of Tennessee, LLC for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX.
Consumer complaint received 2021-06-11
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. (MD)

My name is XXXX XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Blocking and Removal of the information on my consumer report. You must comply with the law.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX 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 2019-06-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, transunion and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.XXXX   came back certified that they are mine.both transunion and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.
Consumer complaint received 2018-06-18
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)

In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX , XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXX and paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ 500k of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.
Consumer complaint received 2019-06-22
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. (ME)

I paid off my collection debt in full. XXXX and XXXX have the right balance of {$0.00}. Only trans Union shows the old balance. I paid the debt off on XX/XX/19. I want my credit report updated as it is supposed to be.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (LA)

I've done business with this company for years. However, end of last year, they processed my payment on the wrong date, when amount in the bank when they DID attempt to charge was ~ {$5.00} under. I do not have the specific amounts at this moment, as I have a short time window today to file this complaint.

They then tried to process it again, without permission, resulting in NSF charges from my bank. Their attempted charge was about {$86.00}, with my having about {$81.00} in, resulting in two NSF fees of {$35.00} each, then causing my next {$10.00} autodraft for something else to be ALSO returned with yet ANOTHER {$35.00} NSF fee. Due to this, I've lost access to my bank account, and accumulated a $ XXXX/day negative balance fee, since XX/XX/XXXX. 

I've explained this one day to a XXXX XXXX XXXX representative, who was very friendly and said she understood. I expressed about that it was just after noon, that I'm at work, and I already got 2-3 calls before she called. She said they have no control over them,  that they're automatic and can not be controlled unless I pay my debt. She informed me that XXXX would issue a check for the amount they costed me, if I provided proof of the overdrafts. Something I explained I do not have a way to send her, as my printer doesn't work right now, and she refused to give me a way to email the documents. 


Since this day, back in mid XX/XX/XXXXr, I have received at least two calls from them a day. The past 2 weeks, I have received 4+ calls a day, including from new numbers when I have one blocked. They've gone so far as to SPOOF phone numbers with my local area code, to call me. One of these happened today. 

I have told them I'm on the National DNC registry, that they're calling during all hours, including when I'm sleeping ( every day, they call XXXX ), and that they're calling me at work. They persist.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2018-12-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (LA)

I have an auto loan with XXXX XXXX XXXX.My payments are not behind. When I made the last payment there was no late charges shown on my account. I got my XXXX Statement and the was a late charge of $ XXXX.Surprised today to see that they included the XX/XX/XXXX payment with the current payment for XX/XX/XXXX together. This is illegal to do since XXXX is not here. Then they locked my account and I was unable to do the correct payment on line. 
I need assistance with this company since they are unfair with their credit practices. 

The correct AMOUNT DUE FOR THE MONTH OF XXXX IS {$700.00} SINCE XXXX WAS PAID. 

THE XX/XX/XXXX STATEMENT HAS NOT BEEN DONE!
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NC)

Hello. I am filing a complaint because Phoenix Financial Serv has been invoicing {$980.00} medical bills for several months now. I have no medical debt of {$980.00}. My son called and explained to them, but a month later they issued this invoice again. I am a XXXX patient and XXXX XXXX XXXX person. They're just kidding me. Every experience I have is very costly as the pressure will rise. All my medical bills were paid by " XXXX ''. Please help me figure it out. Thank you.
Consumer complaint received 2018-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT.

ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, 4 ) XXXX XXXX XXXX.

I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 ).
Consumer complaint received 2019-04-14
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. (PA)

XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for transunion and individual for experian. transunion is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OH)

XXXX promised me in 2008 that I will secure a career and 90 % + will secure a job placement in the first 6 months. The loans would be a small part to pay compared to the big outcome.
Consumer complaint received 2022-12-14
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-11
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. (AR)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX   XXXX IN XXXX
Consumer complaint received 2023-05-06
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. (IL)

I'm making this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. The credit bureau appears to be unconcerned with my desire to challenge unlawful items on my credit record. Because this is a clear breach of FCRA laws, I need the things removed from my file as quickly as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.