davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (AL)

On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XX/XX/XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX XXXX never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and 3 ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. 
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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
Consumer complaint received 2024-01-23
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. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many 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 items which is found to be fraud 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 block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-01-17
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. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-07-19
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Subject : Request for Removal of Incorrect Address from Credit Report To Whom It May Concern, I am writing to bring to your attention an error in my credit report. Upon reviewing my credit report from [ XXXX/Experian/XXXX  XXXX XXXX I noticed that an incorrect address is listed. The inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request the prompt removal of the incorrect address from my credit report. To support this request, I have enclosed copies of the following documents that verify my correct address : Include copies of utility bills, lease agreements, or any other relevant documentation. 
I understand that accurate reporting is crucial for the integrity of credit reports, and I appreciate your prompt attention to this matter. Please investigate and correct this error as soon as possible. I also request that you provide written confirmation once the correction has been made. 
If you require any further information or documentation, please do not hesitate to contact me at XXXX and Phone : XXXX Thank you for your cooperation in resolving this matter promptly.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-01-23
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: Experian Information Solutions Inc. ()

When I investigated my credit report, I realized that the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX Owed : {$2100.00}
Consumer complaint received 2022-08-08
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)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}
Consumer complaint received 2022-08-09
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There is a collection account, XXXX XXXX listed as the creditor, on my Credit Report I contacted XXXX on or around XX/XX/2023 regarding this balance when I began receiving notices via text messages ; the agent advised my account is in good standing and I have no outstanding balance. Additionally, I encouraged her to validate with her supervisor to confirm, which she did and subsequently advised this billing should not be sent to me. When I began to receive collection notices I disputed with the collection agency and I also disputed the matter with the CFPB ( Consumer Financial Protection Bureau ) # XXXX in late XX/XX/2023. CFPB investigated and subsequently advised the debt request has been recalled from the Creditor. All collection attempts ceased at that point. However, now there is a {$77.00} collection notice appearing on all XXXX  of my credit reports. I've disputed this as a collection not belonging to me, however Experian advised to raise to CFPB as they have rejected my dispute XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to XXXX XXXX, and Experian. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Consumer complaint received 2022-01-17
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. (OH)

During the period of XXXX I went to file my taxes. XXXX XXXX. XXXX Ohio. I sat down upon completion of my return the tax professional told me that I already had a return but he couldnt see it and that it was in another state that all he could tell me. So I went to the irs building downtown XXXX it had to be between XXXX and XXXX cant remember exact date but reports and paperwork is on file! I went to the irs building and filled out fraud paperwork and what not. Ive just now got a tax return from XXXX till XXXX I was instructed from the irs to file all 5 at the same time I did. I just received my return but my complaint is with all the credit bureaus they will not remove all the hard inquiries from my reports I did not apply for any credit and I do not have anything in my name somewhere someone compromised my social and information and used it so if you guys would help me that would be life changing gratitude!
Consumer complaint received 2019-03-07
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: I.C. System, Inc. (TX)

On XX/XX/2019 I submitted a request to XXXX for them to update and investigate inaccurate information from IC Systems that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that XXXX  is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter
Consumer complaint received 2023-06-28
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: GOLDMAN SACHS BANK USA (MS)

On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.
Consumer complaint received 2024-01-23
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or 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 2022-08-08
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. (MO)

This is my NUMEROUS 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 XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: RS Clark and Associates, Inc. (TX)

I have requested debt validation which has not been provided to me. Since they have failed to provide proof that this debt is mine or that they even have authority to collect said debt, I would like for them to remove this account from my credit report
Consumer complaint received 2022-07-19
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. (MD)

I've disputed a XXXX XXXX account multiple times due to inaccurate reporting. I sent disputes via mail starting in 2020, disputing the account due to inaccurate reporting. Currently the status is reporting " Paid '' and " Derogatory '' between the credit bureaus. There are also other discrepancies reporting on my credit that are not correct and are inconsistent between the 3 credit bureaus. If I dispute and they come back " Accurate '' every time, then how are all 3 bureaus reporting differently? This is not FCRA reporting standards and is a violation.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (TN)

I opened a XXXX XXXX XXXXXXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN credit bureau must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2020-12-07
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: TRUIST FINANCIAL CORPORATION (OH)

Step 1 : What is this complaint about? 
Credit inquiry placed on XXXX Credit Report on XX/XX/2020. I am requesting that the company remove the inquiry. 

Step 2 : What type of problem are you having? 
I did not apply for credit with REGIONAL ACCEPTANCE. I am unable to resolve the issue with the company. The company is not responding or answering phone calls. 

Step XXXX : What happened? 
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/2020. I contacted REGIONAL ACCEPTANCE at ( XXXX ) XXXX, and was not able to speak to anyone to resolve the issue.

Step XXXX : What company is this complaint about? 
REGIONAL ACCEPTANCE Step 5 : Who are the people involved? 

REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX