davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WA)

XX/XX/year> I made a call to NetSpend the provider for my companies daily tip and mileage payments. I was enrolled in overdraft protection without my knowledge. I was upset on the phone call and asked for it to be cancelled. The CSR was clearly irritated by me. After I hung up he placed a fraud hold on my card even though there was no transactions. I have called every day since. They asked me to verify who I am ( no one at my company besides me has ever been asked this ). I have scanned my ID via text link nine times and it is not accepting it. We also scanned my id via other phone numbers as well. It will say accepted then I get a email saying it was not. I have also sent address verification. Last transaction verification and ID through email but they say that their system will only accept the text links. They have no in person services in my state. I tried talking to a manager on XXXX after being on hold for XXXX minutes they answered silently no greeting and had me on mute for ten minutes ( presumably to pretend they talked to me ) then hung up. XXXX I was hung up on again and called back saying my line was busy. I have call waiting and there was no record of them calling. XXXX the CSR " XXXX '' told me I'd receive a call back. No calls. No return emails. They have been accepting the daily deposits from my employer but my account is locked and I have no access to my funds. I'm a driver and I'm now locked out of my milage reimbursements intended for gas. The company refuses to tell me what fraud occurred or when my card will be active. They will only send text links for ID verification that do not work. I have probably XXXX plus emails and no results. I'm concerned the fraud hold was a retaliation for me being upset on the phone and so far they've given me zero proof that it's not nor acknowledged any wrongdoing.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern, This letter is a formal complaint that TransUnion, XXXX, and XXXX are reporting inaccurate and incomplete credit information. I have submitted multiple attempts asking the consumer reporting agencies to reinvestigate the accounts and provide proof that the accounts are in fact, accurate & correct. I submitted requests on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time, the consumer reporting agencies responded back to me and the Consumer Financial Protection Bureau that the accounts were accurate. This was in fact a lie ; the consumer reporting agencies have lied multiple times to me and the Consumer Financial Protection Bureau & violated multiple FCRA laws. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original Comsumer contract with my signature on it ) that you have on file for the accounts listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me copy of verifiable proof, you must DELETE the accounts listed below. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In addition, DELETE all non-account holding inquires over 30 days old, Also, please add a promotional suppression to my consumer file. 

Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Thank you.
Consumer complaint received 2023-10-01
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. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report immediately.
Consumer complaint received 2019-04-02
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. (GA)

XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called XXXX XXXX, they said the would take care of it. I later called Equifax and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male XXXX representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of XXXX sending me bills month after month, asking for payment of a mortgage I don't have.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

To whom it may concern, This letter is a formal complaint that XXXX, Experian, and XXXX are reporting inaccurate and incomplete credit information. I have submitted multiple attempts asking the consumer reporting agencies to reinvestigate the accounts and provide proof that the accounts are in fact, accurate & correct. I submitted requests on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time, the consumer reporting agencies responded back to me and the Consumer Financial Protection Bureau that the accounts were accurate. This was in fact a lie ; the consumer reporting agencies have lied multiple times to me and the Consumer Financial Protection Bureau & violated multiple FCRA laws. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( I.e. : an original Comsumer contract with my signature on it ) that you have on file for the accounts listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me copy of verifiable proof, you must DELETE the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, DELETE all non-account holding inquires over 30 days old, Also, please add a promotional suppression to my consumer file. 

Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Thank you.
Consumer complaint received 2023-10-01
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. (NV)

i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. TransUnion : XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX : XX/XX/XXXX accountXX/XX/XXXX, XXXX : XX/XX/XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Hello, I wrote two letters for these companies XXXX Experian XXXX XXXX ) On two different dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for " XXXX ''. I requested to remove the error on my credit report. There were several addresses and phone numbers on my account have nothing to do with me. I requested this be investigated and that these numbers or addresses could be caused by fraud or someone opening bad accounts in my name or something I don't know but have been asking for this and have no results only " XXXX '' complied with my request.
Consumer complaint received 2023-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is in violated of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my TransUnion Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT. A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ). 15 USC 1681 ( b ) c ) - Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law referenced, TRANSUNION must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately listed in my notice sent to them or they will face legal consequences.
Consumer complaint received 2023-10-01
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. (GA)

I contacted XXXX approximately around XX/XX/2023  for the second time and demanded the following transactions be excluded from my consumer report because they violate my consumer rights based on the FCRA. 

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 The following codes below support my request to have the items above excluded from my consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting two medical accounts that were already paid before going to collections. but they still continue to report them. XXXX XXXX account numbers XXXX and XXXX should have never been reported. Experian is the only credit report showing these and it is killing my credit.
Consumer complaint received 2021-06-28
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. (TX)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my XXXX  credit report. its also prob on my experian and XXXX too.
Consumer complaint received 2023-10-03
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. (SC)

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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

XXXX XX/XX/2013 received a call from a person who identified himself as a representative from Wells Fargo Bank Fraud Department. He then explained to me that my bank account had beed hacked and the only way to find these individuals that I will need to go to my local Wells Fargo Bank and request a wire transfer to 2 separate accounts, one for XXXX and the other for XXXX, and I did as instructed. The next money I was heading to the XXXX to see my wife and while on the plane I realized that I had made a big mistake. Because of a time difference of XXXX hours, I tried several times to contact my bank and after 3 days I finally got through and I explained to the bank manager that I was scammed. He then told me that he will initiate a " Will Call '' to contact the two banks XXXX XXXX XXXX and XXXX XXXX Bank to cancel but after several attempts the money had already been collected. I even tried contacting the two banks myself but they couldn't release information to me. I've reported this incident to my local police agency and FBI but to this day I'm at a loss... 

Request your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I bought this vehicle back in XX/XX/XXXX. It is now XXXX of XXXX. I was sold a lemon from XXXX XXXX. I only got to drive the vehicle two months out of the sixth that I owned it. It was repossessed and sold at auction at that time my loan amount was {$12000.00}. this loan is still open as if I still own the vehicle causing the equity amount of the loan to go up to {$17000.00} almost {$18000.00} from the interest and late payments. This is a fraudulent act due to the vehicle being sold at auction. This loan should have been closed and the amount after being repossessed and sold at auction shouldve been remaining balance. this is destroying my credit. I cant get anything including a new car or my first time homebuyer loan due to them still charging interest and late payments on a loan that should be closed out because the vehicle was repossessed and sold at auction. i want it off my credit before I decide to get my attorney involved, because what credit acceptance is doing is illegal.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AZ)

Attempted to dispute with collection agency. Information on all XXXX Credit Reports does not match. Date opened on XXXX shows XX/XX/XXXX, while XXXX and XXXX show an opened date of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX is {$0.00}, While XXXX and XXXX is {$600.00} Credit limit on XXXX is showing {$300.00}, while XXXX and XXXX show $ XXXX last active on XXXX and XXXX show XX/XX/XXXX, XXXX shows a date of XX/XX/XXXX as Last active. How can there be a a large gap between 2 bureaus. 
Date of last payment on XXXX and XXXX show XX/XX/XXXX, While XXXX shows date of last payment as XXXX.I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately XXXX As it has a detrimental effect on my credit and due to the fact it is not being reported accurately, it should be removed.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 2023-09-30
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX  ACCT. # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX. ACCT # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # 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 an account without my written instructions