davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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 am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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 2024-10-18
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. (FL)

I do not recognize these Hard Inquires and i have asked the credit bureau to removed these from my credit and they have not removed them. I am providing an identity theft report which i will be attaching to this, I am requesting them to be removed because they are inaccurate and they are not mines. 

Thank you
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from XXXX XXXX, Experian or XXXX. I called Experian and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to XXXX or XXXX XXXX but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, XXXX XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Bank Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
XXXX. XXXX  XXXX Reference # 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 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 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Reason- I've asked XXXX, Transunion XXXX XXXX to take off these accounts because it's not accurate information it was not verified and they did not respond to last two disputes.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XXXX of XXXX, I reached out to the XXXX major Credit bureaus Transunion, XXXX, and XXXX to fix an incorrectly reported item ( XXXX XXXX XXXX - {$3300.00} ) on my credit report. Each bureau claimed to have investigated the claim with XXXX XXXX XXXX and verified it. 

This is impossible however because between the time of the debt being reported and the time of the investigation, Id worked directly with the Original Creditor to address a number of issues and overcharges ( proof attached ) In XXXX of XXXX, I reached out to TransUnion, XXXX, and XXXX by certified mail with a return receipt to show them proof of this incorrect account and request it be removed. To date, I have not received a reply. 

I have had a number of my rights violated in the handling of this dispute, namely ; 1 ) My complaint was not answered within 30 days as required in the FCRA. The incorrect item must now be deleted.

2 ) Section 611 ( a ) ( 1 ) of the FCRArequires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. This never happened. If It had, my file would have been updated.

3 ) Section 611 ( a ) ( 3 ) requires prompt deletion of item information from the file of the consumer when proven to be inaccurate.

I shared proof with the CRAs ( attached hereto, I've withheld their name in case a lawsuit against the CRA 's becomes necessary and they need to be called as a witness ) that clearly shows the Original Creditor made changes to my ledger AFTER it was reported to my credit file. Any reinvestigation would have resulted in a corrected account. 

I am requesting this account be deleted immediately from Transunion, XXXX and XXXX report. 

If this account is not promptly removed, my next course of action is to file a lawsuit as I am entitled to damages due to the CRAs negligentfailure to comply with its obligations under the FCRA. 

I intend to seek : - actual damages of the harm and opportunity loss this irresponsible reporting has cost me - attorneys ' fees and costs. ( 15 U.S.C. 1681o ). 
- punitive damages for the willful disregard of my rights. 

I appreciate your time and attention and look forward to a prompt resolution.
Consumer complaint received 2022-09-08
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. (CA)

On the XXXX and XXXX of XX/XX/XXXX I attempted to open an account with XXXX 

On XXXX XXXX it as discovered that my credit had a freeze placed on in XX/XX/XXXX. I released it on XXXX XXXX as it was not possible to run the credit check with it in place. 

On the XXXX XXXX attempted to run me thru the ringer as the information that I supplied them did not match the TransUnion file info. 

I discovered that the TransUnion file contained a wrong address, wrong phone numbers and employment. Report attached. 

They showed my current address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not exist. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It does not show up anywhere in the report. Furthermore, I have had this address as my Permanent Address for over 50 years. It is the address on my Drivers License, my Pilots License, my XXXX XXXX XXXX, my checking account ( same account since the XXXX ) and everything else and has been over 50 years. 

The butchered address should have read XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The correct address which I had before I retired approximately 5 years and moved back home. 

Four phone numbers were listed. 

( XXXX ) XXXX Over 5 years old and NOT current ( XXXX ) XXXX Correct and current ( XXXX ) XXXX NEVER HAD Area Code XXXX is XXXX  XXXX, Colorado ( XXXX ) XXXX Over 25 years old when it was removed from Area Code XXXX It further states that I have NO EMPLOYMENT RECORD. 

I worked for approximately 45 years for such companies as XXXX XXXX and XXXX XXXX. I retired twice from XXXX and once from XXXX XXXX. I held a XXXX XXXX XXXX for approximately 45 years with the XXXX and for several years with the XXXX. I am currently a non-paid XXXX employee assigned to the XXXX XXXX XXXX, XXXX XXXX, CA. 

I corrected the information on XXXX XXXX. It was not possible to make corrections on line as their systems does not allow new info to be entered ( attached file ) I am in the process of looking for a new home and these inexcusable errors would have cost me the new home. 

TransUnions numerous and critical errors has kept me getting a phone account, the first thing that I have tried to open in over 40 years. I have zero debt, own my home and cars and normally paid cash for major items. I have had the same credit card with XXXX for over 40 years and up to now never had a problem. I was approved by XXXX as a Known Traveler in less then 24 hours. 

Because of their unforgiveable errors I was and now considered a credit risk and fraud. TransUnion needs to be fined to the maximum allowed by law and needs to correct their errors by notifying XXXX of their errors in writing, put a permanent letter in my file stating their errors and supply me with said copy.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

I asked MyFedLoan to reinstate my parent plus loans back in the middle of XXXX for all my payments that were made during the covid pause. They are still not reinstated and they told me it would take 4-6 weeks originally. Please reach out to my email directly to ask for specific details and I can provide you with anything you need. I am tired of waiting at this point and want my money back that I paid the federal government during the pause that I am entitled to.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (CA)

In XXXX, I took out a loan from BMO Harris Bank in the amount of {$19000.00} for an XXXX trailer ( make/model a XXXXXXXX XXXX ). 

In XXXX of XXXX, I sold that vehicle to a dealership for {$20000.00} -- approximately {$1300.00} more than the payoff amount. 

The dealer confirmed they made a payment to BMO Harris Bank for the full amount of sale ( {$20000.00} ) and that BMO Harris would mail me a check for the balance of {$1300.00}. 

I never received the check. At first BMO Harris informed me that the check went to an incorrect address ( XXXX from which I had moved ). This mistake is innocent enough and I thought would be easily resolved. 

I have, since XXXX of XXXX, been in contact with BMO Harris Bank every couple of weeks to check on the status of my check and provided them with my new mailing address multiple times. I have received varying responses : they must wait 90 days for the check to void before sending me a new one ; they must send me paperwork to sign to confirm I have moved before sending a new check and voiding the old one ; that a manager has been referred to this case and will be in touch with me, etc. 

A manager has never phoned me to resolve this and I have not received via email or postal mail any of the supposed forms they have asked me to fill out.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed with this company on various occasions starting back since XXXX of XXXX. The company has received my disputes in XXXX, XXXX, XXXX, and in XXXX. Each response comes back with it being verified by a third party such as XXXX XXXX or the courts. When i send in supporting documents from both third parties stating there is no record of said bankruptcy they still tell me it's verified. It is now XXXX and i've yet to get a satisfactory/ accurate reporting, which has been hurting my credit status for years upon years. The last time i disputed in XXXX i did not get a response and the FCRA gives the company 30 days to respond. i have not gotten a response.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I noticed a public record on my credit report. The public record was a bankruptcy XXXX  XXXX under my name. Cedit bureaus kept telling me the information was " confirmed by a third party data furnisher, XXXX '' I contacted that company directly and after their investigation, they deleted the account completely. I asked all three credit bureaus multiple times to remove the account because the data furnisher deleted it so it's not there anymore, it can not be verified. None of them will contact XXXX or remove the account.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I called exsperian to tell them that i could not get hold of First access do to them having wrong contact info on there page. The number they had was some robot company in California and the credit card was through XXXX XXXX XXXX verified by other reporting agency like XXXX They told me to just dispute it and it is not a big deal
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On the morning of XX/XX/XXXX - I logged onto my bank account app and noticed that {$500.00} was missing from my account and money had been sent to a XXXX XXXX and it says it on the transaction which is transaction # XXXX. This was done on My Serve American Express card that I have had for several years now. I contacted the card company and they had already put a lock on my account because they noticed fraudulent activity. I went down to my local bank to pull the remainder of the money out just to make sure that was not stolen from me so the customer service department at Serve had to unlock the account long enough for me to get my money out. Then they locked the account back up. I also filed a dispute at the same time over the phone. I was told it would take 10 business days for me to get an answer/resolution. I checked my email on the 10th day and it said my dispute had been declined. So I contacted Serve again asking for an answer. I was informed at that time that I needed to submit a dispute form and email or mail it to them. I did so immediately. I waited again 10 business days and then received an email on the 6th day declining the dispute yet again! As soon as I noticed that it had been declined I contacted Serve again and re-opened the dispute. Then yet again on the 2nd or 3rd day this time dispute was declined again. I contacted serve again and filed another dispute on XX/XX/XXXX. Just looked at my emails from yesterday and the dispute was declined again. I contacted them this morning XX/XX/XXXX and filed another dispute. I have filed a police report with XXXX Police Department XXXX # XXXX.
Consumer complaint received 2022-09-23
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. (NY)

It appears that my credit/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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. 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 item/accounts/information below : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}