davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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. (MO)

I am Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX  date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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 2022-08-13
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: Experian Information Solutions Inc. (CA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-22
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$1100.00} DP OF EDUC XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$4000.00} DP OF EDUC XXXX Balance Owed : {$3100.00} DP OF EDUC XXXX Balance Owed : {$4500.00} DP OF EDUC XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$2700.00} DP OF EDUC XXXX Balance Owed : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (TX)

Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy.

Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 the credit bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 2024-10-29
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. (WI)

I have disputed with Experian XXXX XXXX these found accounts. These accounts ... .lm askin to be removed ... .. Due these accounts showing doesn't belong to me the disputes lasted over XXXX days then I won the dispute. Then l received a written letter statements saying they were going to remove but pinstead these accounts still found on my credit report XXXXXXXX XXXX account # XXXX in XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-08-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CO)

I have a card that I get money sent to as rewards from a manufacturer we use. Back in XXXX XXXX XXXX XXXX I got into that account and found that there were {$340.00} in fraudulant charges on the card. I filed a dispute that day ( XXXX ), case # XXXX or it could be XXXX XXXXXXXX ( I can't read my own writing lol ) I called back in XXXX to check the status of my dispute and nothing had been done. I called back again on XXXX, and still nothing had been done. The gentleman on the phone said he would escalate my case and that I should have an email in 24-48 hours. It's now XX/XX/ and I have never heard back from anyone, nor have they refunded my money. This company just completely ignores their customer when there is problem, and that's if you can get through to someone. That's a nightmare in itself. 
The website on the back of my card is MyPrepaidCenter.com and the phone number is XXXX and the card that I have is a XXXX XXXX XXXX. Please feel free to call me if you need further information. 
Thank you XXXX XXXX
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-11-20
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)

It is deeply disappointing that, after numerous disputes and the evidence Ive provided, you continue to report inaccurate information on my credit report. This repeated failure to address the errors violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I have made every effort to resolve this matter, yet the inaccuracies remain. I demand an immediate reinvestigation, a review of the attached documentation, and prompt action to correct or remove the false information to ensure my report is 100 % accurate.
Consumer complaint received 2022-08-13
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. (AZ)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX XXXX XXXX : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-08-13
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)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-08-13
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. (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. 

U S DEPT OF EDXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

US BKPT CT XXXX XXXXXXXX, Account # XXXX 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 an 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 2022-08-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX Balance Owed : {$3700.00}
Consumer complaint received 2022-08-22
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. (MN)

The following credit card accounts currently listed and showing on my XXXX and Experian credit report is lost/stolen : XXXX XXXX/Balance : {$330.00}, XXXX XXXX XXXXBalance : {$380.00} XXXX and XXXX XXXX XXXXBalance : {$500.00}. The following collection account currently listed on my XXXX credit report is a fraudulent collection account and not my collection account : XXXX XXXX XXXX, Balance : {$5600.00}. The following credit inquiries listed on my XXXX credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-10-29
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. (VA)

I am filing a complaint against Experian for failing to properly handle my recent credit report dispute. I submitted a dispute via mail to address inaccuracies, providing all requested information to verify my identity. However, Experian responded, claiming my identity was not verified, delaying the dispute process. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputes and make necessary corrections in a timely manner ( 15 U.S.C. 1681i ). This delay violates my rights under the FCRA, as I fulfilled all verification requirements. 

I request CFPB assistance to ensure Experian complies with FCRA regulations and promptly resolves my dispute.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im sending this Complaint again to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX : {$3900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Consumer complaint received 2022-08-12
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. (GA)

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXXhas 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 2022-06-25
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. (CA)

Submitted Police Reports along with FTC identity theft affidavit identity to Experian ( twice ), XXXX, and XXXX. XXXX, XXXX and Experian have failed to remove the accounts in a timely manner, and reinserted accounts without proper notificaion *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 


all three bureaus have failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. Experian, XXXX, and XXXX are clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the accounts, the accounts are still reporting the fraudulent accounts on my credit reports. If they do not remove the account, I will be force to pursue legal action against Experian.