davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year> security freeze
Consumer complaint received 2024-10-24
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. (MO)

I found discrepancies on my credit report, citing 15 USC 16c-2. Unauthorized inquiries are affecting my credit score. Please have them removed. Thank you.
Consumer complaint received 2024-10-02
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. (LA)

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 8 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-14
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. (PA)

This is a request under FCRA 1681i. 
I submitted dispute via CFPB # XXXX on XX/XX/year>. I see XXXX of the XXXX accounts I disputed regarding FCRA 1681b ( a ) ( 2 ) were verified. 
I submit this request today in accord with FCRA 1681i and I am requesting ALL the records that will reveal the procedures used that led to the accounts listed below that were VERIFIED instead of being DELETED. 
PLEASE DO NOT SEND ME ANY MORE SILLY POSTCARDS THAT DO NOT FULFILL THE REQUIREMENTS UNDER FCRA 1681i. 
This also indicates that you have not adhered to the XXXX day timely requirement each time I submitted requests under FCRA 1681i and that is a clear violations of FCRA 1681i. 

I am requesting under FCRA 1681i the name of the person ( s ) you spoke with along with their telephone number and business name and address. 
I am also requesting under FCRA 1681i the records that will reveal ALL the procedures used that led to the accounts to be verified. 

I also as a federally protected consumer under the Fair Credit Reporting Act have a right to request EVERYTHING that you have on me in my experian credit file. I mean EVERYTHING that pertains to me I am requesting as this is my right under the FCRA, so make sure to send me EVERYTHING that is in my experian file. 

Additionally accounts listed below should be DELETED! 
XXXX ) XXXX XXXX # # XXXX 
XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX XXXX # XXXX 
XXXX ) XXXX XXXX XXXX # # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Thank You very much in advance.
Consumer complaint received 2024-10-02
Product: Credit reporting 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. (OH)

I have not been able to access my Experian credit scores for many months. I have tried multiple times over the past 6 months both by phone and online at different times, on different devices, etc with no success. When I call I can never get to a human to speak with and online I am told my identity can not be verified despite me going through all the steps to verify it. 
I need a HELOC or refi ASAP but lenders are unable to help me without having the Experian score. 
I have had no changes in any of my information for over XXXX years. 
I have no idea why this has happened. I have not had this problem with XXXX nor XXXX XXXX.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX erroneously reported that I was 30 days late in XXXX. I called XXXX  and was told that I was not 30 days late and that they were unsure why its being reported that way. They advised me to dispute it. I submitted a dispute with EXPERIAN and submitted my credit statements showing that is incorrect and I just received a determination adjusting the 30 day late from XXXX to XXXX today is XX/XX/XXXX, so that is impossible!!! In fact, my credit statement shows that my due date is XXXX and that the minimum payment has ALREADY BEEN MADE. I need this corrected as soon as possible. 

And while Im at it this company had started charging a yearly fee and monthly fees this year and I never agreed to it. Those were not a part of the agreement.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a bankruptcy listed on my report and ive reached out to the bankruptcy court and was told that information is not provided to credit bureaus. Ive reached out to all XXXX credit bureaus asking proof of verification of the record. I would need for this to be investigated
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX  is showing up three times on my XXXX XXXX XXXX 

The amount allegedly owed is {$660.00}. This account was sold to XXXX and then sold to XXXX management on behalf of XXXX. 

Due to this error, please remove the account listed under XXXX  XXXX on my credit report. 

According to the FCRA, a debtor must attempt to contact you before a debt is sold. XXXX XXXX has not contacted me, nor has XXXX.
Consumer complaint received 2024-10-24
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. (HI)

IM A VICTIM OF IDENTITY THEFT PURSUANT OF FEDERAL LAW SECTION 605B ALL FRAUDULENT DOING MUST BE REMOVE AND BLOCKED AS FRAUD. I HAVE ATTACHED MY FTC REPORT LISTING ALL THE FRAUD DONE IN MY NAME. PLEASE TAKE ACTION IN REMOVING THIS INFORMATION
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/year> XXXX XXXX XXXX XXXXXXXX ( denied too many recent inquiries are recorded on my credit bureau report ) XX/XX/year> Bank of America credit card and XXXX XXXX ( denied and unable to verify identity and documentation provided ) XX/XX/year> XXXX XXXX  XXXX Credit Card ( denied for I put a freeze on my credit file ) XX/XX/year> XXXX XXXX XXXX from XXXX XXXX ( application denied ) XX/XX/year> XXXX XXXX XXXX Bank debit card checking ( denied by the bank and me when I called to report it. ) XX/XX/year> received a email on unemployment claim in my name with my work. ( I responded to the email stating it was fraudulent and also filed a claim with Report unemployment identity fraud U.S. Department of Labor )
Consumer complaint received 2024-10-02
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. (LA)

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " XXXX  '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your assistance in addressing and resolving this situation swiftly and efficiently.
Consumer complaint received 2024-08-14
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.
Consumer complaint received 2024-08-14
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. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-10-24
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)

I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have an XXXX XXXX credit card. Completely paid off. In the app they had promotion for savings accounts you can withdraw from daily, no fees, and have all these no commitment guarantees. So I thought I'd check it out. Opened the savings account but the email made me suspect of it. Even though it was an official document from XXXX XXXX, which made red flag and checked my debit. Saw a several XXXX dollar charge from XXXX XXXX. I don't owe them. I didn't do business with them before. I am in shock. Trauma heavily triggered. Cancer/health issues aggravated by situation, I call for help and the lady i spoke to did not help and told me to call bank of america fraud and tell them, so I did. I'm heavily in shock and having trouble even making sense but just had money I did not authorize or overlook a fee, my money was taken from my checking account which should not be touched by them at all, don't understand what's happening. I did not fill any details into the savings. Meaning they took info from my credit account, why was this money even taken. I know it's so remote that unless someone here helps I will not get it back, I don't know what to do and I need help so badly. This just happened this evening XXXX XXXX, happend right after I opened the savings account with XXXX XXXXXXXX XXXX the app. I am scared they will take more, will XXXX XXXX take all my money when it direct deposits and I will die? Is there no one who can help me? Do I have to plead to the public on social media? It's such a weird situation I have trouble how to answer some of these yes no questions because they don't really fit the situation. I don't know if someone could scam or if recent wifi troubles let people get info. But the bank should know it's the official merchant?
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Last year XX/XX/2023 I contacted you to dispute several debt collection accounts that still appear on my credit report. Pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. Several accounts appear to be reaged and appear more than once of my credit profile. These accounts should not be furnished as they are in violation of my consumer rights. According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. Also, I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my credit profile. Under 15 USC 1681 b : Permissable Purpose of consumer reports ( a ) in General subject to subsection ( c ) any cunsumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. NO WRITTEN CONSENT is equivalent to IDENTITY THEFT. Therefore, I request that you investigate and remove these accounts from my credit report within 30 days in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. Thank you for your attention to this matter
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX below sent to creditor XXXX XXXX XXXX response to request or any communication. 

Accounts Resolution, Please escalate this to the offices of the executives. 
I received a Notice of Default and Right to Cure Before Repossession dated XX/XX/XXXX. THIS NOTICE IS AN ERROR. 
In XX/XX/XXXX, I called XXXX because of a medical hardship and asked for some assistance. I was asked questions regarding my bills, income, and reason for request. I was granted XXXX months of small payments of {$35.00}, then returning to normal payments in XX/XX/XXXX of {$310.00}. I was assisted by XXXX XXXX from XXXX. I have been told after the fact and days later, she said made an error in the calculation after I made my agreed hardship payments, see email below and you accepted my payment. 
I started XXXX and XX/XX/XXXX with my original payments of {$310.00} and am in currently in good standing. If your representative did make a mistake, I never received an email or letter and why did XXXX accept my payments. 
Notice of default states I owe {$880.00} by XX/XX/XXXX. I have spoken with no less than XXXX representatives to resolve this matter. I went to a branch and ask them to call the RV loan department. I have filed a claim with the offices of the executives and still no resolution. Again, I would expect a company like XXXX to honor their word. I am a good customer and always paid on time but had a XXXX XXXX XXXX XXXX  XXXX ) and needed help. 
Please call me at ( XXXX ) XXXX. If I miss your call, leave me a voicemail and I will call back. I am asking not to speak to customer service representative but a XXXX and above for resolution. 
Thank you, XXXX XXXX XXXX is a copy of the email receipt of my hardship payment accepted. 

XXXX XXXX XXXX XXXX XXXX  Payment/Hardship/Accepted XXXX XXXX message XXXX XXXX XXXX To XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX  This payment was for the amount of the amounts of the hardship for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX = {$100.00} XX/XX/XXXX start over {$310.00} -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX Date : Fri, XX/XX/XXXX at XXXX Subject : XXXX XXXX Loan Pay Confirmation XXXX To : XXXX Dear Customer, Thank you for using XXXX XXXX Loan Pay. 
Details of your payment for Loan Account Number XXXX are below. 
Payment Date : XX/XX/XXXX Payment Amount : {$100.00} Loan Account Number : XXXX Payment Account : Checking XXXX Payment Reference ID : XXXX If you have any questions concerning your payment, please contact us at XXXX. 
To explore other ways XXXX Bank can help, please visit us at bmo.com. 
Thank you, we appreciate your business. 
Please note : This email message was sent from a notification-only address that can not accept incoming email. Please do not reply to this message.