davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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 XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/1996 Last XXXX of XXXX : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the GLB ACT and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.
Consumer complaint received 2024-02-27
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. (PA)

Several disputes were made over the past two months, my last complaint was placed over the phone and now it seems as if it wasn't put all the way through because i am not getting updates. ALL INFORMATION AND POLICE REPORTS WERE SENT. At this point they are purposely not removing things nor sending in proof from the disputes from these alLedge creditors. I AM REQUESTING FOR A REMOVAL OF ALL THINGS I DISPUTED WITH TRANS UNION. ALL DOCUMENTATION WAS SENT
Consumer complaint received 2023-07-21
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: Stellantis Financial Services US Corp. (TX)

I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXX On XX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First Investors Fin on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First investors Serv on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (FL)

I did not authorize SANTANDER CONSUMER USA to review my credit report. I have a extend fraud alert on my credit reports. SANTANDER CONSUMER USA did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (MI)

The issue is with XXXX. Ive made many calls and disputes to remove a collection account in the name of Receivable Management LLC. I have paid this account in full. Both me and the creditor from Receivable Management have made an agreement to request for XXXX that the account be deleted, yet after these attempts the account remains on my report. I have supporting documentation of the agreement via email. Im trying to clean my credit up and this is hindering it.
Consumer complaint received 2022-04-28
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)

FRCA Violation credit card XXXX XXXXXXXX FRCA Violation personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX NA Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase XXXX XXXX General Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry XXXX : XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-28
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. (TX)

FRCA Violation credit card XXXX XXXX FRCA Violation personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX NA Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX date : XX/XX/XXXX XXXX XXXXT XXXX Mortgage XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase XXXX XXXX General Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry XXXX : XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: STERLING JEWELERS, INC. (CA)

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this JARED GALLERIA / XXXX account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Consumer complaint received 2021-05-03
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. (FL)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports :
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/21 an individual created two ( 2 ) American Express Company ACH withdrawals in the amount of {$5000.00} and {$15000.00} using my XXXX XXXX routing number and bank account number and made payment though this arrangement to XXXX XXXX XXXX. Neither entity, American Express Company, XXXX XXXX and XXXX XXXX are accepting responsibility or culpability for their role in this fraudulent scheme..
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to transunion that their last date reported was XX/XX/XXXX, they reported to XXXX that their last date reported was XX/XX/XXXX, and reported to XXXX that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. Transunion states that this account was opened XX/XX/XXXX, XXXX shows that this account was open XX/XX/XXXX as well as experian. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.
Consumer complaint received 2018-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Debt collector IQ Data International , Inc. has committed two violations : ( 1 ) it is attempting to collect an alleged debt for which the statute of limitations has run ; ( 2 ) it is attempting to collect a debt without providing a valid verification of debt upon my written request. 

In or about XX/XX/XXXX, IQ Data attempted to collect a debt that was alleged by a former landlord with whom I had a dispute. In my opinion, the landlord owed me $ XXXX. Nevertheless, landlord sent its alleged debt to IQ Data. In XX/XX/XXXX, IQ data sent me a letter attempting to collect the alleged debts. I responded within 30 days of this letter, requesting a verification of debt in the form of the contract upon which the claim is based or the judgment against me. IQ Data responded with an indecipherable document with two itemized charges and descriptions that were not revealing of what the charges were, nor any evidence of a contract or judgment against me. I informed IQ data of this by mail promptly within 30 days of its letter to me, explaining that they had not verified anything, and I re-requested a verification of the debt.

I did not hear from IQ Data until today, when I received a letter dated XX/XX/XXXX from IQ Data offering to compromise the debt against me and informing me that they had or intend to report me to credit bureaus.

Californias statute of limitations is 4 years when based on a written contract. Although IQ Data has not produced such a contract its allegations are of a contractual basis for its collection. However, per IQ Data, this debt was due and payable in XX/XX/XXXX. IQ Datas claim if it existed at all is no longer enforceable by the laws of California. It is abusing its power and wealth to leverage the average consumers lack of knowledge of the laws to extract money that is not legally collectible.

The debt collectors information is below for your information.

IQ Data International, Inc. 
XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Account Representative : XXXX XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Funding received my request to validate a debt on XX/XX/XXXX, for {$970.00} which is appearing on my Consumer credit report. I have copies of the green return receipt. I gave them 30 days to reply from the receipt of the Debt Validation letter. 
As of XX/XX/XXXX, there's no reply. This a violation under the Fair Debt Collections Practice Act ( FDCPA ).
Consumer complaint received 2022-01-10
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (NC)

On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit report.
Consumer complaint received 2018-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: London & London (CT)

i try to contact london & london about a debt that i had no knowledge and try to explain that i didn't know about this debt or even the judgment for this debt that i got the judgment back in XX/XX/XXXX XX/XX/XXXX i didn't know really and when i try to ask london & london to show proof of the original contract with my signature on it and more information about this debt not just a copy of the judgment note of XX/XX/XXXX i live in XXXX  ct for any court dates it should of been in XXXX  ct and im cleaning out my credit report for the first time and to me this debt that i had no idea looks old debt i would say 9 years and i want this to be remove from my credit reports or show big proof with my signature
Consumer complaint received 2020-12-03
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. (FL)

THE ACCOUNTS AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

In regards to phony collection practices by LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by LVNV Funding LLC. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. LVNV Funding LLC is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although LVNV Funding LLC initiated the procedure I have yet to receive anything in writing from this dummy corp.