davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (CA)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2022-04-26
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint is in response to the recent reinvestigation results regarding notices of disputes I have been sending out over the past few months. I recently received investigation results from TRANSUNION and XXXX XXXX XXXX. These results returned as " verified as accurate '' while still reporting the inaccurate late payments reflected as " 120, 120 '' days late month after month. You can not be 120 days late 2 months in a row. There are only 30/31 days in a single month. This is the issue I have been constantly disputing. These notations are false and misleading. I have clearly informed them regarding the inaccurate information being furnished to my consumer reports and they are doing everything but correct the account information as requested because this account still shows as inaccurate. TRANSUNION and XXXX XXXX XXXX are violating the Fair Credit Reporting Act. This is damaging to my reputation and character. The FCRA permits consumers to have inaccurate accounts removed from consumer reporting agencies if the account still reports inaccurately per 15 USC 1681i ( 5 ) ( A ) ( 1 ) as applied to CRAs and 15 USC 1681s-2 ( 2 ) for furnishers of information. The creditor XXXX XXXX XXXX has been consistently notified to update and correct the inaccurate information being reported to the CRAs. The creditor has not done this. XXXX XXXX XXXX is violating 15 USC 1681s-2 ( A ) ( 1 ). I have proof via updated consumer disclosure report which will be attached as a supporting document. They have failed to comply with the FCRA. Please allow me the remedy I have so faithfully requested based on constant failure to rectify these issues. These same issues have been disputed over and over and over again to no avail. There is an obvious problem. I HAVE A RIGHT TO HAVE ACCURATE INFORMATION REPORTED ON MY CONSUMER REPORT. If the information is willfully being misreported it is false information and fraudulent and a criminal act per 18 USC 1001.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX  to dispute the debt only to get cussed at
Consumer complaint received 2020-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2020-11-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2023-03-15
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. (OH)

Diversified adj svc XXXX XXXX XXXX XXXX XXXX, MN XXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX opened XX/XX/XXXX Contains incorrect Information address and is not my account XXXX XXXX XXXX also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

Lvnv funding has purchased it debt that was open due identity theft I contacted the credit bureaus and got them to remove the report from XXXX XXXX XXXX then lvnv funding picked up the debt placed another mark on my credit report and has been trying to collect using threatening phone calls threatening arrest and to damage my credit if I did not pay them
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I want to report experian again because they still have failed to update me with information regarding the claim. I have zero documents annotating the thing I am being alleged in my credit report. Please refer to my previous case with cfpb. That item should be deleted due to not verifying infomation. They don't communicate with the companies, so I don't know how they are able to make this conclusion about my account.
Consumer complaint received 2022-07-05
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 — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (MD)

In XX/XX/XXXX, I received an approval letter for a XXXX deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as XXXX days past due and XX/XX/XXXX being reported as XXXX XXXX XXXX XXXX 
I want this lates removed off my consumer report.
Consumer complaint received 2020-11-10
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. (KS)

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX  credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment toXX/XX/XXXXXXXX  who both billed for the insurance and offered it from the beginning. Since synchrony bank received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Consumer complaint received 2023-03-15
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R & R Collection Service, Inc. (CO)

I keep getting threating phone calls stating they will be coming to my job and my supervisor or HR needs to be there to witness but they never state what its for and now I am getting text messages saying they will be coming to my house on a specific day between XXXX - XXXX and I have to sign for something.
Consumer complaint received 2023-03-15
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. (TX)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

XXXX continues to allege that my account is delinquent. I made payment arrangements from XX/XX/2023 to XX/XX/2023 to be caught up, only to be told my account was still delinquent. I responded by asking in email for a complete reconciliation of the account payments including the purchase of the debt. This information has yet to be provided. 

After receiving threats of foreclosure. Including lies about receiving correspondence on my behalf from the Veteran Affairs. I have asked for the correspondence and it has also not been provided, which leads me to believe they fraudulently stated in order to coerce me into making a payment. 

Written notification XX/XX/2023 to XXXXXXXX XXXX requesting original loan information proving that I owed the debt. Received response back without the information requested and legal representative insisted that the debt reporting to bureaus is accurate and would not be removed. 

They have no provided the information and I have requested complete information on the account to prove they are legally entitled to the collection of the debt.
Consumer complaint received 2023-03-15
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-15
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)

Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and DELETE it immediately in my report : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}
Consumer complaint received 2019-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TN)

They have called my work and all my reference after being told not to and they told where they were from and we are working with a debt consolidation and they just out of the blue on XX/XX/2019 said if you are working with a debt reduction consolidation company we dont work with them so pay your bill. I did not mention nothing about that. They call four or five times a day to my cell and call my references and give name and company. That is against the law for people to know my info. They threatened me that I better pay or else. It started day one after late and now its ten days later and they are still doing it. My husband has account there to and they do him the same way but he is not late yet
Consumer complaint received 2023-03-15
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)

Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Transunion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and DELETE it immediately in my report : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit reports ( XXXX and Transunion ) it is saying my XXXX XXXX loan is delinquent and has n't been paid in 120 days. I was late with payment back in 2011 but the loan is all paid off and has been for years.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX 2016, All of the inquiries on my TransUnion credit report were removed entirely, then reinserted a short time later. I had no notification of, nor did I authorize, the inquiries be reinserted. I have contacted TransUnion multiple times, the last call on XXXX/XXXX/2016 @ XXXX, trying to get the issue resolved, but customer service would not help me and take care of the negative inquiries reporting on my credit report. 
List of Inquiries deleted then reinserted : 1. XXXX XXXX/XXXX/16 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX via XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received on XX/XX/2020 a prepaid debt card XXXX XXXX XXXX XXXX from usbankreliacard. I did call the XXXX XXXX XXXX phone number and was told I needed to file this form as this is clearly FRAUD! Someone has stolen my identity and has file unemployment in my name!
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Credit Agency is trying to collect on three accounts from the same creditor that I have no knowledge of. I have sent two requests via Certified Mail Return Receipt Requested requesting that the debt be validated. The letters were received and signed for. To date, I have not received a response from the company nor have I received any application, contract, or any other document bearing my signature. Since the creditor can not provide any proof that these are my accounts I believe the accounts are fraudulent. 

The 3 accounts are as follows. 
XXXX XXXX {$580.00} XXXX XXXX {$71.00} XXXX XXXX {$250.00} I have never been insured with XXXX XXXX I have been insured with XXXX XXXX for the last 10 years.