davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (GA)

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c- 2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collections account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an Collection Account opened at XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-12-17
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. (GA)

In accordance with 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 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 XXXX5 U.S.C 1681 section 602 A . States I have 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 2022-12-05
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. (AL)

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, 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 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 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The credit reporting agency EXPERIAN has been informed of INACCURATE INFORMATION currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to comply with Federal Law and the requirement to only furnish information on a consumer report in accordance with the written instructions of the consumer to whom it relates pursuant to the Fair Credit Reporting Act section [ 15 USC 1681b ( a ) ( 2 ) ]. As a Federally protected consumer, I have provided specific written instruction to EXPERIAN in regards to the personally identifiable information authorized to be furnished on my consumer credit report which was delivered on Saturday XX/XX/2022 at XXXX by way of USPS XXXX XXXX Mail XXXX XXXX  XXXX XXXX XXXX XXXX. EXPERIAN has failed to comply with this direct consumer request, and is now willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of Federal Law under the Fair Credit Reporting Act [ 15 USC 1681b ( a ) ( 2 ) ] for failure to furnish information in accordance with the written instructions of the consumer to whom it relates. It is hereby required under Federal Law that this agency immediately remove or delete the following unauthorized personally identifiable information : UNAUTHORIZED ADDRESSES : XXXX. ) XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. ) XXXX XXXX XXXX PL XXXX, IN XXXX
Consumer complaint received 2024-08-31
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. (MA)

Subject : Urgent Dispute of Inaccurate Credit Report Entries Dear Credit Bureau ; cfpb ; I am writing to formally dispute the following inaccurate and invalid entries on my credit report. Despite previous attempts to resolve these discrepancies, including reaching out to the original creditors, I have not received adequate responses or validation. I request that you investigate and remove these entries in compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXX XXXX XXXX 

Account Number : XXXX Type : Collection Amount : {$560.00} XXXX XXXX  Account Number : XXXX Type : Charge-off Amount : {$1000.00} Reason for Dispute : Inaccuracy and Invalidity : The information reported for the above accounts is incomplete, inaccurate, and invalid. Specifically, the reported details such as dates, account names, statuses, and amounts do not match my records. I have requested verification from the original creditors but did not receive any substantive validation or the required 1099-C form. 

Failure to Investigate and Respond : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation into disputes and respond within 30-45 days. Your failure to address these disputes or provide a timely response constitutes a violation of this provision. 

Relevant FCRA Provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that credit bureaus must conduct a reasonable investigation of the disputed information and respond within 30 days. Failure to comply with this requirement is a violation of the FCRA. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires the credit bureau to delete or correct inaccurate, incomplete, or unverifiable information after a reasonable investigation. 

Given the lack of response and validation from the creditors, and your failure to comply with the FCRA requirements, I request the following actions : Immediate Removal : Please remove the inaccurate entries from my credit report within 15 days of receipt of this letter. 

Confirmation : Provide written confirmation of the removal of these entries once processed. 

This matter is urgent, and I trust you will address it promptly to ensure compliance with federal regulations. If these entries are not corrected within the requested timeframe, I will consider escalating this issue other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NC)

I was in a car accident in which I was deemed to be NOT " at-fault. '' The case went through litigation and was handled and paid out from a lawyer. All involved parties were released and satisfied! Collection agency is reporting and re reporting debt after it is removed and deemed invalid. These debts are showing for the third time this year after being removed!
Consumer complaint received 2022-12-29
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: SYNCHRONY FINANCIAL (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy. '' 15 USC 1681 section 604a section 2 it also states " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-29
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. (MA)

I was laid off from my job so I called XXXX to tell them I'd be late paying. They supposedly marked it down. About 60 days later, I don't think it was even that long, I got a letter from XXXX a debt collector. I paid that day. It was only {$60.00}. They actually sent it to the credit agencies. It's been XXXX yrs now and it's crippled my life in many ways. My XXXX  would be XXXX, it's about XXXX because of this inaccurate information. I've called XXXX several times, disputed this with all XXXX bureaus and also hired XXXX XXXXthey we're totally useless. It says XXXX balance but it has a delinquency on my reports. I've tried everything ... How can 1 company have all this power over someone's life?? It's a utility in case I didn't mention that.
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MI)

i had a lease with GM Financial and totaled my vehicle on XX/XX/2022. XXXX XXXX sent the entire loss amount to GM Financial because they would not release the title without receiving more than {$12000.00} in additional funds that is mine. It is now XX/XX/2022 and I still have NOT received my check BECAUSE GM Financial is playing the " float '' game and keeping my funds for their backend income capture on interest income. This is an illegal practice and should never be condoned by you!!!! Please investigate! Please assist me with getting resolution and protecting US Consumers from this abuse going forward!!!!
Consumer complaint received 2024-09-17
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. (TX)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2022-12-09
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. (NC)

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 2024-08-31
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)

Ive recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2024-08-31
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. (IL)

I have viewed my credit reports as of XX/XX/XXXX, XXXX.I have noticed some account status were not accurate.According to the Fair Credit Reporting Act, when a reporting agency prepares a credit report to shall follow procedures to insure accurate information about individual.These accounts as follow : XXXX XXXXAccount # XXXXXXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX-Account XXXX These accounts have been settled in full, due to COVID. I have reached out to the creditor regarding this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I paid {$170.00} on XX/XX/XXXX for the Merchandise and never received the order. So I filed a dispute on XX/XX/XXXX Wells Fargo gave me a temporary credit and they reversed it on XX/XX/XXXX.
Consumer complaint received 2022-10-06
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. (WI)

XXXX XXXX XXXX The dates are incorrect along with Balance XXXX They have not provided the original contract of debt. Along with dates are inaccurate. 


In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  account # 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 2024-10-21
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Collection Removal Dear XXXX XXXX, I am writing to formally request the removal of a debt collection entry from my credit report related to account number XXXX. I have been reviewing my credit report, and I noticed that this entry was reported on XX/XX/XXXX. 

I understand that I have the right to dispute inaccurate or incomplete information under the Fair Credit Reporting Act. I believe this entry may be inaccurate for the following reasons : There was no proper notification of inaccurate balance or payment. I was not notified not once. Also the balances and reporting of accurate payments is incorrect. 

I request that you investigate this matter and, if the debt is found to be inaccurate, remove it from my credit report. Please provide written confirmation of the results of your investigation. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IN)

Loan was taken out in my name as a result of identity theft. Debt collector sent certified letter and XXXX delivered it to wrong address and I did not sign for it. I was not made aware of attempt to collect until after garnishment of wages began. Debt collector was called as is not helpful. Tells me I need to contact lawyer and transfers me to phone number where I leave a message and no one calls back.
Consumer complaint received 2023-01-30
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)

There is an account from XXXX XXXX debt collection agency reporting on my Experian, XXXX, and XXXX credit reports. This information that is reported is inaccurate and against the contract that the original creditor signed. The original creditor Smoky Crossing apartments made me sign a form to relieve me under any responsibilities on the lease being broken because I was just a property manager for a company that I worked for XXXX XXXX and the financial responsibility of the lease was on XXXX XXXX and XXXX XXXX. XXXX XXXX agreed and signed off on the responsibility to be on him and XXXX XXXX. I was only put on the lease to be able to hold a set of keys for them both since they were always out of town. The paperwork that I have attached legally says that XXXX XXXX 's name is removed from this lease so it should not be reporting on my credit reports with XXXX, Experian, and XXXX. The credit bureaus keep ignoring my requests and have not formally validated the debt because I have sent this information off before. I demand that this collection agency stop its collection efforts for reporting unfair and inaccurate information. Also, my name is XXXX XXXX ( Proof of ID Attached ) This situation that this creditor did not tell the truth about has been an invasion of privacy and a defamation of character to furnish incorrect information without my permission. Especially when I am not responsible for this debt. I have not been able to rent a new home. Please delete it immediately so I do not have to ensure legal action.
Consumer complaint received 2022-12-09
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
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. (CA)

fraud, identity theft to be taken off : credit report showing someone using a Nebraska Identification card, and inquiries unknown, misc stuff coming up on credit report not done by me. personal information also listed wrong, phone numbers, addresses, spelling of name etc.
Consumer complaint received 2024-09-17
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BlockFi Inc (CA)

I held my funds in a crypto exchange wallet Blockfi. According to there terms of use the funds were just used as shortage and the company had a XXXX XXXX and my funds where not to used for trading or loaning. If this is so I should be able to withdraw my funds but I am not able to withdraw as of today which is XX/XX/2022. I initiated the withdrawal on XX/XX/2022 almost a month back. Please help me with this.