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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items 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 block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If 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 2022-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/22 I submitted a dispute after noticing a fraudulent account on my credit report along with a completed FTC report to these companies. The companies advise me that they are not able to block this information from reporting on my credit report because they suspect someone else submitted this request. It was in fact me that submitted this request and according to the FCRA fraudulent accounts are suppose be removed within 4 business days of receiving notice. This company refuses to follow the law and I am being affected by their credit reporting errors.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (NC)

THIS IS TITLE ISSUE... NOT EXT WARRANTY OR GAP BUT I DID NOT SEE THE OPTION LISTED PLEASE HELP ME WITH THESE CROOKS! 

XXXX XXXX XXXX, NC ( XXXX ) XXXX PURCHASED MY XXXX XXXX FROM CARVANA XX/XX/XXXX. TO START, THEY INSPECTED MY CAR AS A XXXX. TOOK DELIVERY OF MY CAR, THEY REACHED OUT A DAY LATER BEGGING ME TO GET MY OWN CAR INSPECTED AND MADE ME AWARE OF THE SITUATION THAT TOOK PLACE BLAMING IT ON THE TECH. I WENT TO GET IT INSPECTED AND FOUND ALMOST XXXX WORTH OF SERVICE WORK THAT NEEDED TO BE DONE, THAT WOULD NOT HAVE PASSED A NC STATE INSPECTION. WEIRD RIGHT? TOOK MY CAR TO XXXX XXXX XXXX WHERE XXXX THE STORE MANAGER HELPED ME TREMENDOUSLY. MOVING FORWARD, THEY COVERED THE COST OF THE WORK AFTER THREATS OF REACHING OUT TO THE DMV INSPECTOR. FAST FORWARD TO XX/XX/XXXX ... I RECEIVED A TEXT FROM CARVANA THAT THE TAG HAS BEEN ISSUED AND ARRIVING IN 5-7 BUSINESS DAYS. I'M CURRENTLY TEXTING WITH AN ADVOCATE AT CARVANA NOW THAT TELLS ME THAT WAS A MISTAKE. AND I CAN ONLY GET A NEW TEMP TAG IF THE REGISTRATION WASN'T COMPLETED. NOT WHAT I WAS TOLD MONTHS PRIOR. AFTER REVIEWING THINGS ONLINE, I SEE I AM NOT THE ONLY PERSON GOING THRU THIS. WHAT'S GOING ON? PLEASE HELP ME GET ANSWERS AS I'M STILL RIDING ON A XX/XX/XXXX EXP DATE ON MY CURRENT TEMP TAG. ALSO, JUST OPENED ANOTHER XXXX  COMPLAINT TODAY AFTER THE TEXTING ALSO.
Consumer complaint received 2024-10-25
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2023-01-24
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)

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 XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-26
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. (NY)

As per my federally protected rights under the FCRA, UDAAP, and CFRs, TransUnion and XXXX is reporting and alleged " collection account '' with XXXX XXXX to be reported on my credit report. Under the law a " collection account '' is considered income under the law and should thus not be reporting as a debt. Additionally, the account is incorrectly listed as both " open '' and a " collection account '' which under the law is a violation since I am entitled to " maximum accuracy '' on all three credit reports reported by all three CRAs. This account is also currently NOT reporting on my XXXX credit report thus I do not currently have " maximum accuracy '' across all three CRAs.. Reporting of this account is also in violation of 16 CFR 313.10 which states that I have right to not have my nonpublic personal information disclosed to a non-affiliate. By fact that the original creditor sold my nonpublic personal information, without my written consent, to XXXX XXXX they violated the XXXX. Additionally, because the debt was in fact sold to XXXX XXXX, it is no longer debt and has thus converted to income. I have no financial relationship nor contractual obligation with XXXX XXXX. The reporting of this account on my XXXX and TransUnion credit report is also in violation of The Privacy Act of 1974. This account is also in violation of my federally protected right under 15 USC 1681a ( 2 ) ( i ) which states that the consumer report 's rules of construction have EXCEPTIONS which include the transaction history between " the consumer and the person making the report ''. It also violates 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, and 15 USC 1681f, and 15 USC 1681g. This account also violates UDAAP, specifically " deceptive and abusive practices '' because XXXX XXXX is listed on my credit report as " COLLECTION AGENCY/ATTORNEY ''. Yet, XXXX XXXX is NOT an attorney and thus are misrepresenting themselves to deliberately mislead me as a consumer.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I originally reached out to Experian XX/XX/XXXX regarding my credit report because I found SEVERAL duplicate accounts on my report. I wrote them primarily about the XXXX XXXX account number : XXXX, and Ga own Credit account number : XXXX both of these accounts are duplicate and on my credit report repeatedly. I asked Experian to remove the duplicate account from my credit report. They ignored my request and responded with complete silence. I then came to the CFPB on XX/XX/XXXX to file another complaint which are documented under : XXXX, and XXXX regarding duplicate accounts on my credit report the accounts are XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are on my credit report SEVERAL TIMES and it is ridiculous. Instead of Experian addressing my concerns they claim to want me to " verify '' my identity. As a consumer I have the right to have a credit report that is 100 % accurate and obtain the right to dispute any information that is not accurate. I am utilizing my rights by creating a CFPB account and documenting the complaints I'm having with Experian. In addition I have sent several letters to Experian over the past 90 days that have all been unanswered. The Bureaus have a duty under the FCRA to respond to disputes in a timely manner and complete an investigation into those claims. Experian is is directly breaking the law by trying to stall the dispute process. As previously stated I'm in the market to buy my first home and my credit is important to me. This is why I'm addressing these issues. I need Experian to do their job and remove this inaccurate information from my credit profile. I will also be including documentation of both the letters I have already sent and verification of my identity in hope that Experian will respond swiftly and address all of my concerns regarding inacurate and duplicate information on my credit report.
Consumer complaint received 2022-12-16
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: Credit Karma (MN)

i am a victim of the credit karma false and misleading advertising run witch resulted in a dramatic increase in my credit score over the span of a year they advertise these credit cards saying i'm approved and once i complete the application i was denied. this happened on about 15+ occasions this again resulted in multiple hard pulls on my credit
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
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. (FL)

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-05
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)

With respect to XXXX XXXX  : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX
Consumer complaint received 2022-08-19
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. (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 2023-03-21
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. (NC)

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 2023-04-05
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. (VA)

I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.
Consumer complaint received 2022-12-01
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. (TX)

My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service XXXX  XXXX XXXX
Consumer complaint received 2022-08-19
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. (TX)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until Dec 2022 700 XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until Dec 2022 700 XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$2000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX account. {$39.00} XXXX XXXX  XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed
Consumer complaint received 2023-09-08
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. (FL)

I have a paid charge off that has been reporting on my credit for a couple of years now. This paid charge off has a huge impact on my ability to secure favorable credit terms and financial opportunities. I have attached supported documents from the ACTUAL creditor. I kindly ask that you conduct a thorough review of my account and consider the removal of this paid charge off. I trust that this documentation will aid your evaluation and decision-making process.
Consumer complaint received 2023-04-05
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. (PA)

With respect to XXXX  XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX
Consumer complaint received 2023-04-05
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.