davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
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. (SC)

To Whom It May Concern : On XX/XX/XXXX, XXXX and TransUnion are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For TRANSUNION 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.
Consumer complaint received 2023-01-12
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. (NY)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 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 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 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 2023-02-14
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: EQUIFAX, INC. (CA)

I sent a letter last XX/XX/2023 to remove these items that are 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 items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2021-08-18
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. (CT)

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX  in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX  in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Consumer complaint received 2017-12-10
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. (PA)

Experian shows my account Negative until 2022 which is 4 years from now and this account has not been late for 2 years and Experian has it Negative. 

this account should not take 4 years to go positive considering it has not been late for 2 years. Experian seems to say on my credit report its in the negative standing. I do n't no how it is when nothing has been late for over 2 years. 

I 'm also filing with the FTC on his issue
Consumer complaint received 2021-11-27
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. (IL)

I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2017-09-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I am a XXXX in XXXX, Ca. representing a client who is selling XXXX XXXX XXXX XXXX, CA. XXXX. The sellers accepted an offer from a buyer on XX/XX/XXXX. The lender handling the financing for the buyers purchase was Caliber homes loans, the loan officer was XXXX XXXX ( XXXX ) XXXX. The buyers conducted an appraisal on the property and then immediately had to cancel due to their inability to qualify for the loan. Caliber home loans was provided a case number from FHA and also submitted the appraisal in the FHA system. After I placed the home back on the market for my client and we received another offer from a buyer who is also utilizing FHA financing for their purchase. The new lender XXXX XXXX at ( XXXX ) XXXX made a formal request on approximately XX/XX/XXXX. Caliber home loans transferred the case number but not the appraisal attached to the case number. Without the appraisal the new lender is unable to move forward with the buyers loan. I spoke with XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and asked her to transfer the appraisal as requested and was told we had to pay for the appraisal to be transferred. I do n't understand how they can ask for my client to pay for an appraisal to the lender that was already paid for by the previous buyer. The are holding the appraisal hostage to the transaction they are no longer a part of. I spoke with the branch manager XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and he informed me that they would transfer the appraisal but needed a formal request from the subsequent lender. That formal request was already made and they are refusing to cooperate. My seller now is unable to close escrow on the sale of their home because of the lender who is no longer a part of the new transaction. Everyone is on hold because they are refusing to cooperate. Please contact me as soon as possible. XXXX XXXX XXXX XXXX with XXXX XXXX.
Consumer complaint received 2023-01-12
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)

I acquired my credit report and asked XXXX XXXX XXXX  to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited XXXX XXXX and received my investigation and noticed everything was still the same with no proof of validating the accounts.The consumer reporting agency which is Experian did not modify or removed anything. 

The date open is not correct, date last active is not correct, and date of last payment is not correct on all three credit reports. 

Which is a violation of XXXX. This is impacting me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (MI)

XX/XX/XXXX I disputed online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I sent out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
I have multiple fraudulent inquiries on my account as well as accounts.
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this inaccurate public record on my consumer file WITH supporting documents from the source they " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, TransUnion continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( verbally and IN WRITING / these documents have also been forwarded to TransUnion ) that TransUnion has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. 

XXXX believes TransUnion is using an outdated and unverified report against my FCRA rights. XXXX has EXPLICITLY DENIED verbally and in writing that they have ever verified the account as accurate with any CRA after the completion of their reinvestigation, as the account is unverifiable and was subsequently deleted. On numerous occasions, multiple upper management personnel within XXXX has sent notification to TransUnion to dispute that the bankruptcy. XXXX has yet to receive any response from XXXX. I have yet to receive an acceptable lawful resolution. 

TransUnion has informed me that I need a " letter of expungement from the bankruptcy courts to have the bankruptcy removed from my file ''. The United States Bankruptcy XXXX XXXX XXXX XXXX California has informed me that TransUnion has, " given me an impossible task to complete '' because I would need to have a bankruptcy on file in order to have such bankruptcy reviewed for possible expungement. The United States Bankruptcy Court XXXX District of California has stated that they DO NOT verify bankruptcies with ANY CRA or third party vendors. 

I don't understand ... if XXXX is the source that TransUnion is using to verify this account as accurate, and XXXX has documented that the account is unverifiable and deleted, then why is TransUnion maintaining their position that the account is verified as accurate??
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (TX)

I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2019-05-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Allegiance Accounting Services, LLC (WI)

XX/XX/XXXX i was called from XXXX at Allegiance Accounting Services , LLC. Stating i owed a debt for a payday loan from XXXX. I simply asked for a " vaildation noticed '' to be sent to me. After i asked that question she started screaming at me telling me if i did not pay the debt now i would be summonds to court an procuscted. I simply asked for proof of debt in written an she agian screamed at me saying that this debt is past this point. And refused to give me any proof of this debt. Number they call from is XXXX!! Call them!!!
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my ANOTHER 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 : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-08-13
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion allowed a person other then me to place a extended fraud alert on my Trans Union credit profile and I have been fighting with trans union for almost a year now trying to get them to remove the extended fraud alert that I did not place and I had a TransUnion account where I can go online and deal with it but I tried to remove the fraud alert through my online account would not let me to do it so I called Trans Union and told them the situation and they have made it to where XXXX cant even access the online Trans Union site that paid for And every time I called them they want me to mail copies of my personal information in the mail to their po box before they will remove the extended fraud alert that I didnt even place to begin with. I have told them that sending a copy of my driver license and a copy of my social security card is not safe to be doing. I asked them if I could fax the information and they said they didnt have a fax machine and then I asked them why can I upload the documents to the online site for Trans Union where you can upload your documents and they said that they dont do that it Has to be in the mail. And my mother days are in and stole them once like I dont think its a good idea to be sending my drivers license and Social Security card in an envelope in the mail or it could get lost
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2020-10-28
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: EQUIFAX, INC. (LA)

I have XXXX account which i didn't authorized on my account with equifax, most of the company which appears on my credit report more than once that i didn't recognize or apply for credit with theses companies. I tried to contact the company and file a disputed with equifax never receive any responds nor answer. Also with XXXX  i have 20 dep/XXXX  which have been discharge with a XXXX  balance plus 7 other account which wasn't authorize without my consent i file a dispute to remove those items but have been unsuccessfully or no results. i need these account to be investigate fully so i can see a change on my credit report.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XX/XX/2020 I paid this debt in full with a written statement from collection agency stating that they would remove the account from my credit report. Here we are 8 weeks later and they placed the account that has been paid for back on my account.
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (DE)

I have recently written XXXX XXXX disputing this debt of {$2000.00} for a JCP card that is on my credit file. I am a victim of identity theft dating back to 10 years ago. Ive explained this to the synchrony bank and have a police report for this crime. I was told that the credit is mine and the account was sold to XXXX XXXX. Account was open XX/XX/2009!!!!!