davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX : XXXX XXXX NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
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. (NJ)

I would like to dispute the following items on my credit report. 

XXXX : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX Account Number : XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/scrub>XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXXccount Number : XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2023-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (UT)

The credit card was never mine and I never had a XXXX credit card. I contacted them years ago and thought it was cleared up now LVNV FUNDING LLC has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.
Consumer complaint received 2021-09-10
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: Mercedes Benz Financial Services (NV)

I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 

I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. 

XXXX XXXX Account # : XXXX XXXX/XXXX  Account # : XXXX MB FIN SVCS Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. 
Thank you.
Consumer complaint received 2021-09-10
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. (TX)

Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific information 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 nor authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX  XXXX Account number : XXXX Balance : {$380.00} XXXX XXXX XXXX Account number : XXXX Balance : {$3200.00} ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX  ) Account number : XXXX Balance : {$3200.00}
Consumer complaint received 2021-07-01
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

I'm submitting a complaint against Diversified Consultants, Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 30 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Diversified Consultants, Inc. ) authorizing ( Diversified Consultants, Inc. ) to collect alleged debt.

Show me that you are licensed to collect in my state, and provide licensed number if  you are
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX XXXX Account # XXXX Bal : {$9400.00} 2. XXXX CARD ACCOUNT # XXXX BAL : {$3200.00}
Consumer complaint received 2021-07-01
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)

On XX/XX/XXXXXXXX  someone opened up a student loan in my name of {$8.00}, XXXX and i have disputed this several times letting them know it's not mine and it's identity theft but won't take off my credit. Also same time another one for {$4800.00} from U.S Dept of Edu/XXXX/XXXX i want this off my credit report and off my record. 
On XX/XX/XXXX someone used progressive with my name in it for {$670.00} and i never had any knowledge of this account, i have disputed all of these and esperian and creditor refuse to take off my report and credit so please help me out there are a few others but don't have that info to take off credit. I don't understand why they won't I've said i didn't make them and it's not mine someone else did think they would take more serious
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

I tried to open an account at a local bank and 3 days later they told me they need to close my account. The bank told me it was in there system to call XXXX XXXX XXXX because there was a check fraud placed on my consumer report. I called them and they named a bank that I'm not familiar with. Please help me solve this problem, my identity was stolen before back in 2011. I have a fraud alert on my credit report now.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I was sent to the emergency room sometime last year and received treatment at XXXX XXXX and XXXX center. My health insurance XXXX  covered my medical treatment expenses while I was there, however I ended up seeing on my credit report that I supposedly owed a debt to XXXX XXXX XXXX XXXX XXXX XXXX  which was opened without my knowledge on XX/XX/2021. It appears that ACCOUNT RESOLUTION SERVICE is the company that is now alleging that I owe this debt to them which was already paid for by my health insurance company.
Consumer complaint received 2017-11-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

This is regarding Hunington Bank, I paid off my car loan in XXXX, Now I ca n't seem to get the lein released off my title, They say they mailed out the paper but this is going into 6 weeks and I can not get anyone to take care of this. I even called the corporate headquarters and still nothing. I even asked them to send it to the XXXX County Clerks office and still nothing, they said it was mailed out twice and they told me they would overnight it but that did not happen either .... Please I need some help.
Consumer complaint received 2021-07-01
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: SYNCHRONY FINANCIAL (IN)

Hi, I contacted SYNCB/XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer SYNCB/XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (SC)

The company called my mother and told her that I was going to go to jail if I did not get in touch with Credit Corp Solutions. Also, and address was needed to serve my paperwork for court. She gave the company my address and told them a time that I would be home so the said company can serve me some type of paperwork. The address listed on the paperwork is mine however, it was received by a neighbor of my mother. After, knowing my address. The neighbor daughter gave me this information a week after someone gave it to her father. The information provided has inconsistencies and multiple addresses. The paperwork that was given did not come in an envelope with a return address. A letter about debt repayment options was mailed to my mother house as well after my address was given.
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I am writing to voice a complaint about the loan servicing I have received from Navient. On XXXX XXXX XXXX, five days before my loan payment was due, I made a call to Navient and started the conversation by saying I can not afford my payment. The representative explained that one option was a program that would lower my payment for one year. However, since I was also enrolling back into full-time schooling during the same month, the representative explained that one year program to lower my payment was not the best option, and that my in-school status would cause my payment to be in defferrment for most of that one-year time span and after enrolling, my past due payments would go back into defferment. Since then I have received multiple collection calls daily, with different representatives telling me different things about the status of my payment. I made several very big life decisions about continuing my education based on information I received from Navient during that original conversation BEFORE MY PAYMENTS WERE DELINQUENT.
Consumer complaint received 2018-06-06
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)

Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : 09 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX   are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (MD)

I am writing this due to non compliance and falsifying documents with debt collection agency : Convergent Outsourcing inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX They have failed to provide me with sufficient information to prove I owe a debt of {$1700.00}. On XX/XX/2020 they mailed me a debt validation letter after i filed a dispute online. I also most importantly want to point out they are illegally using the symbol of pre sorted first class mail on the document they mailed to me to validate this debt. I have worked at the Post office for 10+ years and I know for a fact that pre sorted " PAID '' FIRST CLASS STAMPS '' are not supposed to be used on the bottom of billing statements. They are only supposed to be used on the outside of envelopes when mailing something through the Postal Service. I also stated this to them in a debt validation letter i sent them on XX/XX/2020. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I will also be reporting the company to the Postal Inspectors and Postmaster General.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion should not be reporting that I am ( 90 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2018-06-06
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)

Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX   XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.