davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-22
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 the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/XXXX to remove account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to Experian disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to experian on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that experian received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX Experian responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. Experian continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from experian in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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. Please remove these files : 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 XXXXXX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). 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 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

I have contacted LVNV SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. The address is even fake from another state where I do not reside. This is a direct violation of the law and they engaging in illegal practices. They have my XXXX listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. 
I was a MINOR and its illegal.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian to make them aware that I only have 1 address that belongs to me and all the address on my credit report is undeliverable and incorrect. 

I asked them to remove the addresses and that refused.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've tried fixing this several times and TransUnion has not responded and has not fixed the issue and my personal information section. Which is mis-leading and its to much fraud stuff going on to have this wrong information on my file.
Consumer complaint received 2022-12-15
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. (FL)

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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-14
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. (CA)

The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}
Consumer complaint received 2019-10-17
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. (NY)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.
Consumer complaint received 2017-11-04
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: SYNCHRONY FINANCIAL (AZ)

Step 1 : What is this complaint about?
Hard inquiry on my credit report. I did n't make any credit requests.
Step 2 : What type of problem are you having?
Unauthorized hard inquiry.
Step 3 : What happened?
Unauthorized hard inquiry.
Step 4 : What company is this complaint about? 
Syncb/walmrt XXXX, FL XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved?
Myself. XXXX XXXX & Syncb/walmrt
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp (WA)

I have a cease and desist do not contact on my account with lending club. I know it to be active because they ask me about it when I call to make my payments. A manager violated this order today. I did not request this call. I feel violated.
Consumer complaint received 2019-10-17
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. (NV)

transunion refuses to remove invalid creditors from my credit report which has decreased my credit score the creditors in my credit report not mine and has been placed on my acount incorrectly and invlid.
Consumer complaint received 2019-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I am a cosignor for my daughters loan. I cosigned back in XXXX for two loans with American Education Services. I was told that if she paid the loans back for 2 years with loan late payments I could be taken off the loans. I call back in XXXX to get my name removed and they gave me the run around and I was told some paperwork would be sent to me. Then I call back in XX/XX/XXXX to ask to be removed off the loans and I was told that I could not be removed under any circumstances. I then asked for a copy of the note I signed and they sent me some bogus note and a copy of the faxed signature page. I am requesting to remove off the loans. I would have never agreed to cosign if there was no process of me being removed other than paying them off.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (AK)

There is a data breach at Avant! Multiple fraud victims on XXXX, complaining about their fraudulent charges, Avant employees are not answering any calls to resolve any disputes. My credit card has XXXX fraudulent charges, and I was not given any sort of proof that someone is looking into my fraudulent case!
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I tried to send them a letter last XXXX asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/NY & CO is violating the CCRAA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.
Consumer complaint received 2022-07-07
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. (AR)

I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXXXXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (MA)

My name is XXXX XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against WELLS FARGO, for committing identity theft. I have never given WELLS FARGO permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with WELLS FARGO and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving WELLS FARGO any right to collect on this alleged debt. 
I have never received any documentation requesting validation from WELLS FARGO, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO, continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-09-26
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( XXXX, Equifax - XX/XX/2021, and XXXX XXXX XXXXXX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.