davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (TX)

I received my credit report earlier this year via ( XXXX and XXXX ). After reviewing it I realized the inaccuracies being reported under my personal information. After becoming aware of the inaccuracies, I sent a letter to XXXX, XXXX, and TransUnion to delete inaccurate names, numbers, and addresses with proof of my correct information ( My Driver 's License [ only correct name and address ] and Social Security Card ) that should be reported via certified mail. I sent the letter XX/XX/2022 and XXXX, TransUnion, XXXX they received the letter by or before XX/XX/2022. They received my letter and sent me my credit report on XX/XX/2022 ( Just XXXX ). However Upon further investigation little to nothing was changed. Last month, XX/XX/2022, 7 inaccurate names were being reported and as of XX/XX/2022 only one inaccurate name was deleted leaving 6 inaccurate names while not even reporting my correct name. 

The same thing was done with addresses. XX/XX/2022, 5 inaccurate addresses were being reported. As of XX/XX/2022, 3 of the addresses were deleted however they are still continuing to report 2 incorrect addresses. 

As Well as my DOB just being reflected as a year and not a month and date. ( just XXXX ) In Conjunction with that I have falsely placed accounts with Us Dept of Education and Bank Accounts that are not mine each Bureau choose to not delete these incorrect names and addresses and accounts because they are associated with debts that I have already disputed are not mine.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CREDIT COLLECTION SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2022-05-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 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 XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

CFPB Write up XXXX 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 XXXX, XXXX, XXXX
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-05-15
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. (MS)

After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information 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.
Consumer complaint received 2022-05-18
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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 2019-07-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (AR)

COLLECTOR VIOLATED THE AUTOMATIC STAY IN XXXX CASE XXXX, THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, TITLEX CFPB.
Consumer complaint received 2021-10-29
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)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSET AND KNOWLEDGE. THEY USE MY ID TO OPEN PHONE BILLS IN MY NAME. THE PERSON ALSO RECIEVED MEDICAL ATTENTION UNDER MY NAME WITHOUT MY KNOWLEDGE. I AM WRITING TO REQUEST AND INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA & # XXXX XXXX. ON XX/XX/2020, I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED TO REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VILOATIONS OF THE LAW.
Consumer complaint received 2022-10-13
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. (FL)

I have reviewed my consumer reports and I noticed that the following inquiries are unauthorized : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) I have called several times in attempt to request unauthorized inquiries be removed as well as sent several letters requesting only to receive correspondence showing inquiries still on my reports. Last letter was sent around XX/XX/XXXX.
Consumer complaint received 2022-05-15
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: 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 1681XXXX XXXX  accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-25
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. (TX)

Ive written letters to Experian twice pertaining to removing old addresses from my account because I could be susceptible to identity fraud. All they do is update the same information. I dont live at the addresses and Im not reachable there as well. I need this resolved immediately.
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Write up XXXX 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 XXXX, XXXX, TransUnion
Consumer complaint received 2021-10-29
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. (NY)

Credit bureaus violated my rights. I gave them a chance to update the account reported on XXXX. Under 12 U.S Code 1681 ( a ) Accuracy and Fairness of credit reporting - The Congress makes the following findings ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Failure to comply or delete these items
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX  XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Consumer complaint received 2022-05-16
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)

This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-15
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. (TX)

I disputed a few items that I had in my collections and I saw several inaccuracies. So I sent the credit bureaus letters for them to delete the incorrect information from my credit report. They opened an investigation and determined that everything is accurate and they changed the last date of activity to a further date which extends the statute of limitation time clock. So now I'm even worse off than before and I've been attempting to dispute for this same reason, but they open the investigation and continue to do the same thing. To the point that I literally had nowhere to turn.
Consumer complaint received 2022-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

XXXX XXXX XXXX - ( Loan # XXXX ) : XXXX due to claim filed on XXXX XXXX. This loan was XXXX ( XX/XX/2021 ) due to death of my XXXX. I was due a refund Check that was mailed XXXX XXXX XXXX  in the amount of XXXX to my home address. 

On several occasions I contacted XXXX /aidVantage to inquiry about the refund and to see if the check had been mailed. 

On XX/XX/2021 Per XXXX- Representative the Refund check was mailed from the U.S. Dept of Treasury . After several attempts and conversations with XXXX /aidVantage, they told me the check was mail and had no additional information. 
After failed attempts with them I contacted by State - U.S. Representative - XXXX XXXX - Georgia 's XXXX District, speaking with her team, they provide a contact name and number - XXXX XXXX - XXXX XXXX x XXXX with aidVantage- and created a claim number - After contacting aidVantage I was informed the Refund check was cashed on XX/XX/2021 via a " mobile '' deposit to an account with XXXX bank, which I have no account with this bank.. 
Along with contacting aidVantage, I was informed to contact the IRS and XXXX Bank. Both IRS and XXXX Bank referred me back to aidVantage after they could not find the Refund check in their systems by both routing number and account number. Please assist with having the Refund check reissued. Thank you in Advance, XXXX XXXX
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

On XX/XX/2019 XXXX sent me a copy of an updated credit report. File Number XXXX. Many accounts were deleted from my credit file, and one of those accounts was ENCHANCED RECOVERY Acct. # XXXX. Approximately 2 weeks ago I was trying to get my house refinanced. I was told that there was derogatory mark on my XXXX Credit Report. I thought to myself, that's impossible. The same account that was deleted by XXXX, reappeared back onto my credit report. According to the FCRA this bureau is in VIOLATION for reinserting a deleted account back on my credit file.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (NC)

To Whom It May Concern : XXXX, XXXX, and Experian are still in violation of 15 USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given XXXX, XXXX, and Experian any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are XXXX accounts being illegally furnished on my consumer report. 

I demand that XXXX, XXXX, and Experian remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow XXXX, XXXX, and Experian to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By XXXX, XXXX, and Experian allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. XXXX, XXXX, and Experian must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that XXXX, Experian, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX accounts ) XXXX  XXXX XXXX ( XXXX accounts ) XXXX  XXXX XXXX XXXX US Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXX I have also filed previous CFPB reports on XXXX, Experian, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. XXXX, XXXX, and Experian have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.
Consumer complaint received 2022-05-15
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. (NC)

To Whom It May Concern : XXXX, Transunion, and XXXX are still in violation of 15 USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given XXXX, Transunion, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are XXXX accounts being illegally furnished on my consumer report. 

I demand that XXXX, Transunion, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow XXXX, TransUnion, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By XXXX, Transunion, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. XXXX, Transunion, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that XXXX, XXXX, and Transunion need to remove immediately : Department of ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX  XXXX  XXXX ( XXXX accounts ) XXXX  XXXX XXXX  XXXX XXXX Department of EDU XXXX XXXX US Department of EDU XXXX XXXX XXXX XXXX  XXXX XXXX have also filed previous CFPB reports on XXXX, XXXX, and Transunion for the same issue and have been accused of using third-party assistance which has never been the case. XXXX, Transunion, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

To whom it may concern : A certified mail debt validation letter for was delivered to CMRE dated XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. CMRE never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX and XXXX investigated the debt to be inaccurate and deleted CMRE accounts. XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.
Consumer complaint received 2022-05-15
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. (FL)

CFPB Write up n 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 Experian, XXXX, XXXX
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc. (MD)

I originally contacted American Collections Ent Inc in the beginning of XXXX, 2019 to gain knowledge on how to proceed to pay past medical bills stated on my credit report. On XX/XX/2019 I was contacted by American Collections Ent Inc regarding the previous call I had with them. I was called a thief among other things, and was verbally attacked. The agent also reported that I owed far more than what my credit report states. This agent proceeded to berate and harass me at work like I personally owed her the money that was shown past due. She was extremely unprofessional and rude. I am now dealing with undue stress and anxiety from the conversation I had with her.