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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
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Consumer complaint received 2024-11-15
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: I.C. System, Inc. (CA)

I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.
Consumer complaint received 2024-08-13
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)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2024-11-11
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. (PA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 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 2024-10-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I requested debt verification from National Credit Systems. The lease documents, and mailed documents they sent to me were not my name/were not me. They have reported this debt to all three credit bureaus and this is not my debt. I have told them multiple times this debt is not mine but they have not removed the debt from my name. All their documents for " verification '' say " XXXX XXXX '' this is not my name and I do not know who this person is. This person 's name is spelled differently than my name. 

This is deeply effecting my credit and I want this removed.
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (MI)

On XXXX, I recieved another fraudulent XXXX card in the mail with my name on it, which I did not apply for or request, from NETSPEND. I called Netspend and they confirmed suspicious account/ fraudulent activity, and confirmed the last XXXX digits of phone for account was XXXX, which was not a legitimate phone number for me. They said they would not activate account, and directed me to report this to XXXX, which is what I did to make this report for your investigation with them. Note, that I also submitted similar issue earlier today with a Cash APP account.
Consumer complaint received 2024-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MI)

I received an unrequested debit mastercard from Netspend in my name sent to my address. I was eventually able to reach someone to let them know that the account had been fraudulently opened in my name. They refused to provide me any information or to confirm that the account was closed, or to confirm if any fraudulent activity had occurred in my name, or if any taxable activity occurred in my name.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

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 Checksytems reporting inaccurate information. 

These accounts have showed up on Chexsystems as unpaid which were paid in full and are being reported incorrectly, which has kept me from opening another checking account with another bank.
Consumer complaint received 2024-10-17
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 



XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NJ)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Company above sent me one letter in XX/XX/year> regarding a judgement that the office entered in the superior court Civil Unit. Prior to this notification, I was never informed nor contacted for any payment arrangements and/or settlement of the account. This company proceeded in freezing my bank account funds on XX/XX/year>. I dont have access to anything. I am a single of XXXX XXXX under the age of XXXX and I need access to my bank account. This is beyond unlawful and its causing my children to suffer, because I dont have access to my funds to care for them. 

Furthermore, I have been attempting to contact this law firm for over two weeks, I have left messages and even writing emails and I dont get a call back.
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-11-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Used online app chat to request closure of a CD account within the grace period. Was told by agent the account would be closed and proceeds sent to my address of record within 7 to 10 days of closure. The check was never received and when I followed up with bank was told the account auto renewed. Now the bank is refusing to honor the grace period and waive early termination fees. The bank has no further recourse for immediate resolution as I was told the escalation department would take up to 10 business days to review the file.
Consumer complaint received 2024-08-14
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. (TX)

I am unaware of this debt and was never given the opportunity to dispute it before it appeared on my consumer report, as I did not receive proper notification. This lack of notice is a violation of my rights, and I will not tolerate it. 

If you claim that I did receive proper notification, then I demand you provide the CERTIFIED mail receipt, including my signature, proving that I received such notification at least five days before this debt appeared on my consumer report, as required by 15 U.S.C. 1692g ( Validation of Debts ).

I am fully aware of my legal rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These laws grant me the right to dispute the validity of this debt, and they require you to provide verifiable validation of this debt upon my request. If you can not produce a certified copy of my signature, confirming that I received proper notification of this debt, I demand that this collection/charged-off account be immediately and permanently removed from my credit report. 

My name is XXXX XXXX, a XXXX XXXX man who has worked tirelessly to build a better life. Systemic racism has repeatedly impacted my financial situation. Recently, I became a victim of identity theft, resulting in fraudulent accounts on my credit report, further damaging my score.

Despite the protections of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), my case has not been handled fairly, likely due to racial bias. This identity theft has severely impacted my ability to secure a higher-paying job, essential for survival in todays economy. I am now at risk of homelessness due to inflated costs and this unjust situation. 

For 30 years, my credit history has been a constant struggle, worsened by systemic XXXX biases. As a responsible, literate XXXX man with a higher credit score, these fraudulent charges feel like an attempt to keep a XXXX person down, with a boot on my neck. I demand the immediate removal of this account and respect for my rights under the ECOA, FDCPA, and FCRA. 

Fraudulent Account Details Below : Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$510.00}
Consumer complaint received 2024-11-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc. (CA)

In accordance with the Fair Credit Reporting Accounts ; # XXXX have violated my rights. 

I requested a copy of the agreement I signed with the company when I allegedly opened this account and they couldnt provide me any information This debt was resolved on in 2021 with the company in the amount of {$2200.00} 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor ac
tual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.Rather than taking legal action, I'd prefer these accounts be removed immediately and indefinitely as I did not consent to any company to open an account on my behalf. Nor did I settle with the previous debt collector to then have the same debt come back and negatively impact my credit score years after.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX has had dozens of opportunities to properly update the inaccurate information on my report. I have an extensive history with disputing their inaccurate reporting. Im no longer requesting an investigation into inaccurate information. I have attached my XXXX credit report and have highlighted all inaccurate information found upon my review. Please see attachments.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

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.