davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the item, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, 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 Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$580.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$180.00} XXXX XXXX XXXX Balance : {$110.00}
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill ( to verify my address ). 
XXXX. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-10-15
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. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Fraudulent Accounts on Credit Report Due to Identity Theft Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report due to identity theft. The following accounts, which do not belong to me and were opened without my knowledge or consent, have negatively impacted my credit report and financial standing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I became aware of these accounts after reviewing my credit report and immediately took steps to dispute them with the credit bureaus, but these disputes have not been resolved satisfactorily. I believe my personal information was used without my permission, and I request your assistance in ensuring that these accounts are removed from my credit file. 

I have also taken the following actions to mitigate the impact of this identity theft : Filed a police report regarding the identity theft. 

Submitted identity theft affidavits to the credit bureaus. 

Contacted the creditors directly to report the fraudulent activity. 


Despite these efforts, these accounts remain on my credit report, affecting my credit score and ability to obtain financial services. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that these accounts are removed from my credit report as soon as possible. Please let me know if any additional documentation or information is needed to support my claim. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

I saw on my credit report that I had a coll collection account upon calling the collection agency sunrise collection. They said that I owe a bill of {$1200.00}. I called them and they said my last XXXX digits of my social and they said a debt is from XXXX XXXX XXXX XXXX  when I calXXXX XXXX XXXX XXXX XXXX they check my account and XXXX XXXX XXXX said that Ive never had a collection on that account upon checking the account number that the consumer collection company gave me it was a faulty. Email wasnt in my name and it has about XXXX numbers phone number is listed under my name which I only have XXXX numbers. I explained to the company it wasnt me, but they said that they had the last XXXX of my social XXXX XXXX XXXX said that XXXX not responsible for anything. I dont have any collection. Ive been a good customer for years. I dont know what else to do.
Consumer complaint received 2024-10-15
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. (NJ)

My name is XXXX XXXX D.O.B is XX/XX/XXXX. I have recently sent a complaint regarding my credit report. I have been told i was late in XX/XX/XXXX but then i saw on my credit report, XXXX marked me late in XXXX. I know i was not late & XXXX advised me as well that the XXXX late payment was marked wrong & will be taken off my credit report. I disputed the late payment with Experian & was told that XXXX XXXX told them the info is correct. I was told multiple times that the payment marked late in XXXX was incorrect.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

During XXXX a was working but one day to other I XXXX XXXX XXXX they fire me to try to open my own business. After that I started my own business but as its known is not easy with a family and been the support and head of my house plus I got XXXX XXXX XXXX XXXX XXXX XXXX and I had to pay {$10000.00}. We struggled even to pay the rent on time. And I used my credit cards, I got to a point where the bussines needed a lot of investment and I did not have money to pay cards. When I realized my debs were very high and minimum payments were big that I could not afford it.. now things seem brighter and little by little Im building my bussines I know how important is to have a good credit that is why I want to restore it.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

I loaned a car with Automotive credit two years ago i got into an accident XX/XX/2021 and therefore no longer had the car i spoke to a representative at the company and explained i no longer had the car and i provided my total loss paperwork to prove it. the agent told me i should be fine and i dont have to worry because i no longer had the car. my account with them is closed but is showing several months past due and the past due months were all the months i didnt have the car. and is tarnishing my credit by showing those past dues. i would like to have those past dues removed so i can go back to my previous credit. so i opened a dispute ive disputed this account 3 XXXX and have provided documents that i was never past due on this account but it hasnt made a change. someone please help me with this issue.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

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 XXXX years. 

XXXX5 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 2024-10-15
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

On or about XX/XX/2021- XXXX reported a XXXX XXXX Bankruptcy filing on my credit bureau report. I wrote XXXX and requested that this be investigated and removed. After over 6 months of going back and forth with XXXX, I contacted the Bankruptcy court who responded by saying that they did not Verify the information that XXXX had stated it had received from the US Bankruptcy Court. To date XXXX is the only bureau that reports this public record on my report and at this time, this has costs me several credit opportunities. No lender will even look at my application because of this error. 

I have supplied XXXX with a copy of my credit reprot demonstrating that XXXX is the only bureau showing the Bankruptcy Filing and the other bureaus do not show this filing. Secondly, I forwarded a copy of the letter from the bankruptcy court, and I also sent XXXX a letter of incarceration demonstrating that I was 'in prison ' at the time of the bankruptcy filing. They still will not remove this record or any of the inquiries and adverse information associated with the bankruptcy filing. I am seeking resolution of this issue by XXXX removing the XXXX  XXXX Bankruptcy, all accounts referencing a bankruptcy and any inquiry on my credit file in the last 18 months as I was in prison during this time and did NOT authorize XXXX  to allow my credit to be pulled.
Consumer complaint received 2024-11-07
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. (MS)

I am writing to address multiple unresolved issues with the information on my credit report in TRANSUNION, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, TRANSUNION is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect TRANSUNION to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

U have 3 different accounts that I have concerns with 1st XXXX XXXX XXXX I have a been a customer since XX/XX/year> my account was deleted from my experian credit report I have contacted experian since XX/XX/year> about this issue by phone and email, experian has access to my bank account which is how I pay my bills as of today my account is not added to my credit report! 2nd, My rent is paid to XXXX rewards through my bank account as well paid every month and experian is indicating XXXX has 3 different payment methods however rent is paid and experian has acknowledged the payments but will not add the payments to my credit report, Lastly my XXXX account has not been credited to my credit report. XXXX is showing on credit report as pending as well as XXXX XXXX XXXX, XXXX  all of my accounts are active and experian has not updated my credit I has sent screenshots of all accurate payments to be told either its pending or I need 3 months of payments from the last 90 days. I need these concerns addressed. 
Thank you, XXXX XXXX XXXX ( XXXX
Consumer complaint received 2023-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I have switched from XXXX to XXXX XXXX, back to XXXX again sometime in XXXX. I have always pre-paid my insurance be it with XXXX or XXXX XXXX. I was asked for an amount that they ( XXXX XXXX ) thought I owed them to which I have explained that I do not owe them anything given that everything is prepaid. 

I have not paid much attention to it but this has affected my credit score to which I have tried to take the corrective action by raising a dispute last year and this year which did not resolve anything. I tried to contact the collection agency through phone number and I have literally waited for a 2 hr period after which I have not received any response. 

I would like to resolve this by clearly explaining to them but there seems to be no interest on other side.