davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Credit Reporting act 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. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent in an authorized letter along with my license and utility bill to verify my identity and Transunion LLC replied saying that they wont process the request because I didnt authorize but I clearly signed and included my personal information.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act, 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 2022-09-16
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. (CA)

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 2024-08-26
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. (FL)

I recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. The account is for XXXX XXXX XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. 

If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account USAA SVG BK XXXX with an alleged Balance {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

On XX/XX/XXXX I then called the foreclosure attorney XXXX with XXXX XXXX XXXX XXXX, she stated that after our conversation she received confirmation from her client to proceed with the foreclosure and that she made one attempt to alert me of the foreclosure still moving forward but was not able to reach me and there fore my home was auctioned off with out no other publication and after I received confirmation from both XXXX and the attorneys handling the foreclosure.

In addition I am attaching the foreclosure publication documents I received on XX/XX/XXXX showing Wells Fargo as the prior mortgage servicer named as the foreclosing mortgage servicer on record but as I stated and have attached the Serving transfer letter Wells Fargo was no longer involved with my home as of XX/XX/XXXX. I believe my home was illegally foreclosed on and that XXXX and its investors and Trustees did not have the proper authority to foreclose on my home.
Consumer complaint received 2022-10-06
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Experian on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected or deleted from my file. 

XXXX XXXX  XXXX ...., XXXX/XXXX  XXXX ...., XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX 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 n 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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TO : XXXX XXXX XXXX OF XXXX XXXX You responded to my previous CFPB complaint and basically ignoring the accuracy of the credit report. I asked you POLITELY to read the attachment below which is my credit report showing the account you report. If you have conducted a reasonable investigation. You should have seen the mistakes of the Date Opened. Why the date Opened on TransUnion XX/XX/XXXX, XXXX XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your XXXX XXXX so he or she could read the following statement since you failed to do so. I just want to know how you could report to TransUnion & XXXX Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Dear Experian Team, I am XXXX XXXX. Upon my recent review of my credit report, I came across unauthorized inquiries that I have not initiated or approved. 

My due diligence with the respective creditors reveals that there is no documentation or evidence suggesting I authorized or initiated these specific inquiries. These entries have evidently been made without my explicit written or verbal consent. 

Given these discrepancies, and in accordance with Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports, 15 U.S. Code 1681XXXX, I respectfully request the immediate removal of the following unauthorized inquiries from my credit report : - XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX Date : XX/XX/XXXX - XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX To facilitate a swift resolution, I have included proof of my identity and my current address with this letter. I expect a timely response and would appreciate receiving an updated copy of my credit report reflecting the necessary corrections. 

I trust in Experian 's commitment to accuracy and hope this matter will be addressed with the urgency and seriousness it demands. Thank you in advance for your understanding and cooperation. 

Warm regards, XXXX XXXX
Consumer complaint received 2022-10-04
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-09-26
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. (OK)

How is TransUnion investigating when by law only the Consumer can validate the debt. They are not following the law. I have not received anything regarding the investigation about the disputed item
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX BANK,XX/XX/XXXXAccount # 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 2024-09-26
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. (TX)

On XX/XX/2024 I XXXX XXXX submitted a certified dispute to TRANSUION XXXX XXXX Clarifying Im a victim of identity theft I have also provided proof according to section 605b of the fair credit report act those accounts should be removed from my personal credit report within 4 buisness days in which these three companies failed to do I submitted everything to each company Which follows : Police report Ftc repost Theft affidavit Proof of address ( lease agreement ) I have also filed a civil legal suit as of XX/XX/2024 for failing to protect my consumer rights and removing fraudulent accounts As follow XXXX is reporting XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX  {$5900.00} XXXX IS REPORTING ( fraudulent account and address XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} TRANSUION IS REPORTING XXXX fraudulent accounts XXXXXXXX XXXX {$360.00} XXXX XXXX  {$5900.00}
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022 I paid {$1100.00}, {$550.00} each transaction, to XXXX for one way flight tickets to XXXX from XXXX, using PayPal Credit. These tickets had rebooking terms that stated I would only be responsible for fare difference and monies paid would go toward the rebooking cost. When I needed to rebook on XX/XX/2022 the terms were honored, but they were not honored when I needed to rebook on XX/XX/2022. I disputed both {$550.00} transactions, one of which I had already fully paid off, the other I had made over {$100.00} in payments towards, with PayPal Credit aka Synchrony Bank on XX/XX/2022 and on XX/XX/2022 I received an email from Synchrony Bank stating they could not continue with my dispute because I already disputed these transactions with my financial institution. I reached out to Synchrony Bank via live chat the same day, as I paid with PayPal Credit aka Synchrony Bank, so its impossible for those charges to be disputed anywhere else. I was told by the agent that the disputed had been resolved in my favor and credits for the amount of both {$550.00} transactions had been credited to my account permanently. I made sure to confirm these were not temporary credits while the dispute investigation was ongoing ; I was assured it was permanent and the dispute was resolved. However, one credit was reversed on XX/XX/XXXX with no explanation.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section XXXX : It also states a customer reporting agency can not fumish a account with out my written instructions
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I took out a non Secure loan per our contract between me and the creditor it states Collateral is non title personal property. I have the contract stating this. The Credit Union filed a UCC claiming my home as collateral after the contract was already executed stating it was non titled personal property as collateral. They refuse to remove the UCC attaching it to my home as security on the loan. They also refuse to speak to me about it and their attorney refuses to speak to me to resolve this matter. I have filed with Experian to remove it under the category that it is a mortgage and I uploaded the contract showing Experian this was a non secured personal loan. They called the credit union and the credit union verified it is a secured mortgage in which they are not even allowed to do mortgage in Alabama. They are not a federally licensed. I want to be compensated for this issue as it is hurting my credit and unlawfully reported to my bureau. They are trying to force sell of my home due to this reporting and costing me money with an attorney. I will upload you my signed agreement with XXXX XXXX XXXX showing this was a none secure loan. XXXX XXXXXXXX XXXX. All at Fraud here is XXXX XXXX XXXX, Experian, and XXXX XXXX XXXX Attorney.
Consumer complaint received 2024-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MI)

I had XXXX credit cards with Citi and clicked on an offer on the app for a high yield checking account. I decided agaist completing the application once I realized there were no branches near me, yet the account was somehow opened as I can see it on the app. I never received the debit card. Clicked to lock the card and they automatically resent me a second card I did not request and never received. I have called citi on XXXX occassions and they refuse to close the account stating I cant be verified because I cant remember a secret word I did not create when opening the account. They wont verify me any other way but by this secret word. They gave me no other options to verify me or to close the account, and the closest citi bank is in another state hours away from my home. In the app I saw the account was going to close within 14 days due to innactivity, so I thought the issue would resolve on its own. However, the account did not close and it is now charging me fees. I am stuck and cant get help by phone or throught online chat. Online chat says I have to call to close the account but I get no help when I call. Talked to a XXXX who gave me no other options or alternatives for verification or to close by mail. They only give me 3 chances to guess a secret word that can be anything as there is no secret question. They wont close the account or lock the lost debit cards. Tried to get fraud involved and the citi representative gave me another number to call that wont answer my calls. It just says try your call another time.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

On XX/XX/2022 I mailed a verifications f debt letter to National Recovery. On XX/XX/2022 they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX/beginning of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. I was told that they would not remove it then they agent again attempted to collect on the debt.