davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have had nothing but issues with Experian credit report Bureau, I have contacted them 10 or more times since XX/XX/XXXX, and many times prior to that. I first contacted the Bureau in reference to a bankruptcy that started showing on my credit report in which I have never filed for bankruptcy, I contacted them as well as the US District Courts in XXXX Tx, I entered my information along with my social security number no information under my social, I then spoke with a court clerk she stated that she have nothing showing under my social security number she advised me to dispute it I did Experian will not remove this information, I asked them to verify my social security number they still haven't did this. I then have a nother issue with them I paid off a vehicle finance by XXXX XXXX in XX/XX/XXXX there was a late payment reported in the amount of XXXX XX/XX/XXXX, I contacted my creditor they advised Experian has access to their customer accounts and pulled information that wasn't correct I spoke with XXXX XXXX she advised me to dispute the information and she would get it corrected this was back in XXXX XXXX now almost XXXX and nothing has been corrected. I spoke with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX and XX/XX/XXXX, I've been hung up on told that they were submitting the dispute however I never received any information. This company is reporting accounts that aren't mine addresses that I have never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX TX, I've never lived there XXXX XXXX XXXX XXXX this isn't my account, XXXX XXXX XXXX this is not my account.. Erroneous alias names I've never used. This company shouldn't be allowed to do this, I have credit monitoring with this company I received alerts stating my information showed on the XXXX XXXX, however they are so rude unprofessional and unconcerned I was hung up on I need this company to be held accountable for the lack luster attitude they have concerning the publics file
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

5 years ago i had a captal one 360 checking account then they shut me down for no aprant reson leaving me stranded in XXXX. for 5 years i am trying to explane them i don't owe any thing and they are now causing needless pain and suffering. they don't return my calls and they have no way to contact them to dispute negtive info they did to me. i have no where to turn to on this matter and i like questions and more
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2018-12-05
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. (FL)

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2018-12-05
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the account
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report inaccurate.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (IA)

On XX/XX/2023, I sent certified mail a letter that included all my disputes and a copy of my drivers license and Social Security card. I waited 30 days and I contacted Experian again and spoke to a supervisor named XXXX XXXX. She states on XX/XX/2023 that they never received the information. I then explain to him that I had resent everything again in a certified letter that was delivered to them on XX/XX/2023, and then I had received a card back from Experian that they had signed for the package. The name the Experian signed with was XXXX XXXX. He said that he would put in another request looking for this new mail. He also told me I could dispute things using the upload tool, but that has not worked because every time I do it I do not receive an email or anything stating the dispute is in process. Ive notified them of that several times with no resolution. Im just not understanding why I am sending them certified mail and Im not getting resolutions. I thought all disputes took 30 days and now they are not even looking at any of the Mail that I am sending them. I have filed a complaint with the Iowa Attorney General as well. I thought us consumers had rights about incorrect information on our credit report.
Consumer complaint received 2022-04-09
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: Mcburberod Financial, Inc. d/b/a SeedFi (MI)

XXXX accordance with the fair act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2018-12-05
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. (AZ)

there is no sufficient information to support XXXX, Experian and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Hard Inquiries on report that are 2 years old, they need to be off my credit report please. I am trying to purchase a home and these are hindering my credit, I know they are old but my loan officer wants to show the underwriter I have had less than 5 inquiries. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2022-05-30
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 Fair Credit Reporting act 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 2022-07-24
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. (TX)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2. Its also states a consumer reporting agency can not furnish a account without my written instructions. 

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this message finds you well. I am writing to formally request the removal of a late payment recorded on my account ( # XXXX ) for the month of XX/XX/XXXX. 

I understand the importance of timely payments, and I regret any inconvenience this may have caused. My payments were on autopay, and I failed to have the payment in source of payee available. I have since rectified my payment habits and am committed to maintaining timely payments moving forward. 

Given my history as a responsible customer I kindly ask for your consideration in removing this late payment from my credit report. This would greatly assist me in maintaining a positive credit standing. 
Thank you for your attention to this matter. I appreciate your understanding and look forward to your positive response. 

Sincerely XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-10
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. (NY)

In accordance with The Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-12-05
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. (FL)

I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting act 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 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION (CA)

The CFPB has jurisdiction over this matter because it pertains to unlawful tactics to collect a fraudulent debt that is past its four ( 4 ) year Statute of Limitations. From XXXX I have been a victim of Identity Theft in which my accounts have been misused or compromised while I underwent a life-threatening procedure and was consequently incapacitated and XXXX ( see XXXX photo and XXXX XXXX placard attached ) This alleged account XXXX with Compass Bank appears to be unlawful because it shows an alleged original balance of $ XXXX, yet the collection amount is XXXX. Then it was placed with two different collection agencies simultaneously which is a violation of applicable usury and lending laws : 1. Reporting on XXXX as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX ( attached ) 2. Reporting on XXXX as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( attached ) Please note, these actions are a direct violation of California Identity Theft Statute XXXX which specifies a Creditor must cease and desist and withdraw all collection activities when the consumer evidences the identity theft, and that the Creditor is liable for up to {$30000.00} in damages for continued unlawful collection activity.
Consumer complaint received 2022-07-24
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. (MI)

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXX  account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

Thank you
Consumer complaint received 2023-03-24
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. (NY)

My name is 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.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature, this inquiry appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed this unauthorized inquiry from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX Date XX/XX/year> XXXX
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX A/C : XXXX Outgoing wire transfer - {$18000.00} I did not do the wire transfer, not sure who entered my account and did it, XXXX said they can not refund.
Consumer complaint received 2021-06-24
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. (MO)

Upon checking my credit report after XXXX yrs of XXXX  I find there's alot of unauthorized fraudulent accounts appearing on my report, I'm demanding that these accounts be removed immediately.. 

1. Missouri XXXX XXXX XXXX {$7800.00} 2. XXXX XXXX  3. XXXX XXXX Co {$1200.00} 4. XXXX {$2500.00} 5. XXXX {$1200.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX  {$110.00} 8. XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

SPRING OAKS CAPITAL LLC. In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I found inaccurate information on my credit report and I disputed with the credit bureaus I talk to a supervisor Name XXXX he told me If I didnt like the results from the reporting agency he told he me even though the information I disputed is incorrect if the creditors tell them that it is correct even though they can verify that it is indeed in accurate that the credit bureau still has to report the in accurate information as accurate And then he told me that if I did not like the results then I can go and complain to the CFPD According to the SCRA if I dispute in accuracies on my credit report OK and the credit bureau cant even verify that the Information being reported by the creditor is in accurate then according to the SCRA the credit bureau must remove the in accurate information
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

CAPITAL ONE is reporting inaccurate information to all three credit bureaus XXXX, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.