davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
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. (CA)

Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX XXXX account tried paying off refuse to give information bank to the run arounds XXXX   XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, XXXX, Trans Union won't even release any of my information to me.
Consumer complaint received 2019-10-03
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. (AZ)

I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have 85 INQUIRIES on my credit report which were unauthorized. Please help.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (GA)

In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX account number : XXXX. XXXX account number : XXXX. XXXX account number : XXXX. XXXX XXXX XXXX account number : XXXX. XXXX XXXX account number : XXXX. XXXX XXXX account number : XXXXXXXX XXXX XXXX loans account number : XXXX. XXXXXXXX XXXX Loans account number:XXXX. XXXX XXXX XXXX Loans account number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Consumer complaint received 2023-03-18
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (MS)

I have sent validation letters to this company and all they send .is an itemized bill/statement with no contract or paperwork bearing my signature. Plus, they refuse to send any paperwork with a HIPPA release letter. This is being reported on ALL my credit reports in a negative/derogatory way and I would like it removed immediately.. 

File # XXXX
Consumer complaint received 2023-06-13
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit profile due to being a victim of a data breach. According to the law 15 U.S.C 1681, credit reporting agencies are required to report accurate and complete information, and to investigate any disputed information. 

My personal information was compromised in a data breach, which resulted in fraudulent charges being made on my account. I have reported these fraudulent charges to the relevant authorities and have taken the necessary steps to protect my identity and credit. However, one of the creditors involved in the fraudulent charges has reported a charge off on my credit profile, which is inaccurate and does not reflect my credit history. 

Account # : XXXX - XXXX I request that you investigate this matter, remove the charge off from my credit profile, and take appropriate action to prevent further harm to my credit. I also request that you provide me with a copy of my credit report, as well as any other information related to this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-03-20
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)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-05-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC (SC)

I have contacted this company on multiple occasions informing them that I need verification of the debt or have it removed off of my credit. The item was removed as they were unable to verify the debt with me or the major credit bureaus. They then readded the debt back on after a few months. I've recently contacted them as of XX/XX/2019 in an effort to have the debt removed once again for failure to verify the debt. I sent a certified letter to the company 45 days ago and another one on XX/XX/2019 after not receiving proper verification from the company once again. I have attached a template of the letter 1 that was sent and as of recent letter 2 that was sent for the company to verify.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this debt.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (PA)

i was contacted my XXXX XXXX this morning at about XXXX XXXX by XXXX, employee number XXXX regarding my XXXX  account. recently i had paid my balance in full through the mail. they have not posted my payment yet and it is 9 days past the due date XXXX told me my account was in collections. this is a misrepresentation of the delinquency level of the account and is an obvious scare tactic. i made complaint with XXXX   and spoke to a supervisor, ms XXXX employee number XXXX. ms XXXX reiterated i was in collection and subject to adverse action they are not able to even report me delinquent at 9 days late, much less report a collection. this is an abusive, deceptive practice. please encourage them to change their policy and educate their employees
Consumer complaint received 2019-05-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARS Acquisition, LLC (CA)

I purchased a car from XXXX XXXX located in XXXX XXXX XX/XX/2019. I was initially told via XXXX what information to bring and how much down. I brought all required information. My payments are due bi weekly based off my pay date. After getting to the dealership I was asked to pay {$500.00} more down. I was told I can pay it within 10 days. On XX/XX/2019 I made a payment of {$300.00} directly to XXXX XXXX office. That left a balance of {$200.00}. My regular payment of {$210.00} wouldnt be due until XX/XX/2019 and I have a 10 day grace period. On XX/XX/XXXX I received a letter from car financial services saying I owed {$1000.00} by XX/XX/2019. It said I have a past due of {$500.00} and my payment was {$500.00}. I called and said explained my contract says I pay $ XXXX monthly. {$210.00} starting XX/XX/2019 then my next payment of {$210.00} two weeks later. So the person I spoke will pulled my contract and still acted like her contract said something different so I told her I would seek legal assistance so then car financial services said they would t contact me about any payments and send my account back to XXXX XXXX. Since I was having so many mechanical issues with the car and to the point its inoperable at times I requested the remaining {$200.00} be split Into 2 Payments this was agreed upon by XXXX XXXX prior to any communication with Car Financial Services. After speaking with Car Financial Services they still reported false information to my credit report saying my monthly payments are {$1000.00}. My monthly payments are {$420.00} total. Its not even my original due date and Im receiving notices saying Im past due on XX/XX/XXXX. I only owed {$200.00} more on the down payment after already paying {$2800.00}. Also the amount owed on my credit doesnt reflect the {$300.00} I already paid and for some reason my blance is still incorrect.
Consumer complaint received 2019-05-10
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: LEXISNEXIS (NJ)

Lexus nexus is reporting I have had about 7 car accidents I never had a car accident and they dont have a police report to prove it they must delete this information and so must the New Jersey Motar Vechile commission
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

My student loans used to be with XXXX XXXX, then was transferred to XXXX. XXXX discharged my student loans due to my disability. I tried to get the 3 credit bureu 's to fix my student loan 's on them to show closed or paid off. I even uploaded and mailed in proof of the discharge to all three, XXXX XXXX doesn't exist anymore, all their phones are disconnected, i have disputed to all three credit bureau 's at least 7 or 8 times and each time they keep saying that the investigation shows the information is accurate. How can it be accurate when they can't contact fedloan, two, i uploaded and mailed in proof of my loans being discharged. Why aren't they going by proof mailed to me from XXXX themselves showing that each loan was discharged. If you google XXXX XXXX, this is what you get : XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XXXX XXXX and all loans in the XXXX portfolio have been transferred to other servicers. So being that they are no longer active, they were sent to XXXX in my case, in which nelnet discharged mine due to my disability. Why is it so hard to get the 3 credit bureau 's to actually fix my student loans on my credit reports, I mean evidence shows that it should show paid off, as well as XXXX said they should show paid of as well.
Consumer complaint received 2023-03-20
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :
Consumer complaint received 2023-03-20
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous.Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MJ Altman Companies, Inc. (FL)

MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX  payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX  and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX   emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( XXXX ) XXXX-XXXX
Consumer complaint received 2022-11-05
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
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. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame. I feel because of the pandemic I'm being taken advantage of.
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame. I feel because of the pandemic I'm being taken advantage of.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act Dept Of EducationXXXX ( All Accounts ) 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