davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (FL)

Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom it XXXX concern, There is information that's on my consumer report that is a result of identity theft.I did not provide written permission, or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error, nor is my request to block being made on the basis of a material misinterpretation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : Fraud accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Hard Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX T XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I look forward to your response. 



Respectfully Submitted, XXXX XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice.All Natural Alienable Rights Reserved
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (TN)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {XXXX
Consumer complaint received 2023-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I ordered a software from XXXX online. The website specifically states 2 hours for you to receive your key to use the software. The credit card processed and the charge is pending is what my card Capital One told me after i waited 2 hours. My card company gave me XXXX as the company 's phone number. I called and get a voice instruction to go to XXXX with regard to any credit card charges. 
There is nothing available at that site so I call Capital One to cancel/dispute the charge. 
If i can not prevent myself from being taken advantage of by misleading offers and shady business practices it is incumbent for the government to be a check on credit providers and companies who try to create these issues. 

Cordially, XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (VA)

In accordance to the Fair Credit Reporting Act everything has to be XXXX  XXXX  accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate XXXX-year payment history shows XXXX and Equifax shows no history XXXX XXXX  day past due and XX/XX/XXXX shows XXXX days past due for XXXX. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has XXXX violations.
Consumer complaint received 2023-01-14
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. (VA)

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of Last Activity- inaccurate 3.Date opened- inaccurate 4. Account Balance inaccurate 5. creditor remarks Two-year payment history shows Transunion, XXXX XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has 9 violations.
Consumer complaint received 2020-04-26
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: Experian Information Solutions Inc. (TX)

I'll keep this short and sweet. 4 times I've tried to dispute my XXXX account due to the terms listed on the loan being incorrect and asked for deletion of my account as a result of this error. The terms listed on the credit report for this account was 74 months and I sent in the signed contract which staed " 72 '' months. I've done this MULTIPLE times and here were the results. 

Dispute completed XX/XX/20 updated from 77 months to 74 months XX/XX/20 remained on report XX/XX/20 updated from 77 months to 74 months Keep in mind I'm sending evidence everytime. Hopefully now a human can look at this error and delete this account. 

All dispute results and contracts are included.
Consumer complaint received 2023-01-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

Called XXXX XXXX from my credit report to get information in reference to my medical debt listed. I spoke with an agent named XXXX who advised her company was third party and they are not accepting lower offer and that I was not allowed to speak to the original creditor " XXXX XXXX XXXX ''. She said XXXX XXXX " XXXX  '' my balance and they are collecting on their behalf. I questioned this and asked " So you own it now? '' She said no but I wasn't allowed to speak to them directly. 

I ask for a settlement and she said we don't give balance reductions. I replied and said I didn't ask for a balance reduction ( those aren't settlements ). She insisted I was wrong and her tone changed. I asked since I required to pay this full amount will it get deleted and she repliedyest but she would charge me XXXX $ for a deletion letter. Also they wouldn't send letters on going payments ( which is illegal if I set up drafts ) I called back later to reconfirm once again this fee for payment letter ( which seems unethical ) and she confirmed once again. I paid so I no longer have to deal with the harassing calls and unethical practices.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

I recently view my credit report and i can see a unauthorized made by XXXX XXXX XXXX on XX/XX/2023 I Recently view my credit report and i can see a unauthorized inquiry made by XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 2023
Consumer complaint received 2023-01-15
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. (AR)

On XX/XX/ I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XXXX XXXX  on my credit file and this item is negatively impacting my credit report.
Consumer complaint received 2023-01-15
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. (NH)

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 2023-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

I contacted the person on instagram about buying shoes for XXXX and sent the money over through venmo its been almost XXXX weeks and i have received nothing and when i asked when they would be delivered he blocked me, if needed i can screenshot XXXX  XXXX  and my venmo payment to this person. As of now i just checked our XXXX  XXXX  and he deleted every text he sent me for this order
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Discover Card reported I was late 30 days in XX/XX/2019 and XX/XX/2019. The late payments did not occur in XX/XX/2019 according to a representative but in XXXX. 
I reported that I had to change my bank account information due to theft of my check book. A few attempts were made y discover to pull out payment from the old account and payments were returned. Discover card policy states I have 60 days before late payments are reported to the credit bureaus. MY payment was received on the 60th day In which it was reported. 
I spoke to a representative and was told I actually have 59 days. This is not clearly indicated by Discover Card to its consumers.
Consumer complaint received 2023-01-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2023-01-15
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: Experian Information Solutions Inc. (MI)

This account is fraudulent and doesnt belong to me. 

XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX {$1100.00} Opened : XXXX XXXX
Consumer complaint received 2023-01-15
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (AL)

Do to my understanding my personal information have been stolen dealing with this company why the tried to sale the property an other property belongs to me realize that was my property refuse to provide me documents my personal information fraudulent some force they changed the deeds to the property do identity theft all the property belongs to me someone stole my personal information to uptain an change the personal information on all legal documents fraudulent activity happened with these something needs be did about my property I don't know which mortgage company they dealing with fraudulent companies
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX5 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (MS)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

Dear Cfpb ; Experian ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (CT)

EXPERIAN is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS EXPERIAN WILLINGLY REPORTING THEM IN DIRECT VIOLATION! EXPERIAN has responded they VERIFIED the accounts past 45 days THAT I NEVER DISPUTED TO BE INCORRECT there for EXPERIAN conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND EXPERIAN UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Dear Cfpb ; XXXX ; XXXX ; Equifax ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your XXXX. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Consumer complaint received 2023-01-14
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: CBC Companies, Inc. (GA)

Here I am again dealing with another CRA that has refused to give me a copy of my report online and is now attempting to extort my private information from me in exchange for a copy of my report. I am not obligated to share my personal information with Innovis, a company that has never received my permission to share any information about me or my personal business.