davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (AL)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Strategic Alliances, Inc. (MI)

First Financial in vestment fund is reporting a debt on my credit report per my lender who is refinancing my home. It 's actually preventing me from refinancing because it 's bringing down my score. I have called and they claim to not have my name on file, however they are n't helping me get the collection off my credit. I spoke to them las t Tuesday the  XX/XX/17  a nd they said my name is n't on file with them. I called them last month as well and then disputed with  XXXX . They answered the dispute and said I owe the money, but they wo n't allow me to pay the account. I do n't believe I owe this money and it 's frustrating that I call and they do n't have my information. My lender even contacted them with my permission and they could n't verify my information. They even had me send a letter authorizing my lender to verify the debt. Then they had my lender send a fax asking for more information and they have n't replied.
Consumer complaint received 2023-07-10
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. (MS)

XXXX XXXX XXXX has a charge off account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud
Consumer complaint received 2024-10-03
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. (GA)

XXXX XXXX Date of Birth : XX/XX/XXXX Current and Only Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I, XXXX XXXX XXXX XXXX : XXXX ), am formally submitting this letter to dispute the account below as it does not belong to me. I have no knowledge of this debt, and I did not authorize this account to be reported on my credit report. 

Despite multiple previous attempts to resolve this matter, I have yet to receive any communication or validation of this account from the credit reporting agencies or the collection agency in question. Therefore, I am demanding immediate deletion of this inaccurate account from my credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Original Creditor : Crest Financial Account Number : XXXX Account Type : Collection Balance : {$1100.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Payment Status : Collection/Chargeoff I am requesting a full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), which requires you to provide me with validation of this debt within 30 days. If you can not provide valid proof, this account must be permanently deleted from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am demanding that this account be thoroughly investigated. Since I do not have any debt with the original creditor, XXXX XXXX, the presence of this account is a clear violation of my rights under the FCRA, which protects consumers against the reporting of inaccurate or unverifiable information. 

Please confirm receipt of this letter and provide documentation proving the existence and ownership of this debt. If no valid proof is provided, the law mandates the immediate removal of this account from my credit reports with all credit bureaus. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-04
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)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I financed a loan through Santander in the amount of  XXXX . I have made  XXXX  in payments toward my loan, I request a payoff quote and much to my surprise I still owe more on my loan than the amount I financed. i have asked  Santander  to issue credits toward the principle and they refuse to do anything
Consumer complaint received 2023-07-10
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX  XXXX. 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 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IA)

It all started with a XXXX  I had sent that was denied for security purposes on Tuesday, XX/XX/XXXX. I contacted XXXX support and was told on XX/XX/2023 that my {$2200.00} payment made on XX/XX/XXXX had been returned to my bank account. It also shows in my bank account before any transactions occurred afterwards. I have proof of all of this. 
I was confused why i couldnt withdrawal money from ATM. I have a second checking account ( an account that just showed up one day. No idea how ). Both are connected to same debit card. So i tried to withdrawal from 2nd account, assuming i must have selected wrong account. So i tried XXXX and it went through. So i proceeded to withdrawal {$400.00} more. Next thing I know, checking account 2 is negative XXXX plus i got hit with a bunch of overdrafts. At the same time, im getting hit with overdrafts in account # XXXX after US Bank cleared my debits before my {$2200.00} deposit/refund from XXXX. While I'm trying to resolve those fees and figure out my finances and how to get by and feed my kids with hundreds of dollars in overdrafts hurting me, I had to take payday advances until I got paid. I contact us bank multiple times, still with no help. Nobody seems to understand my explanation of events or they say I'm not eligible for overdrafts being waived. Then my paycheck is direct deposited and I make some purchases and withdrawals that day. As well as pay back cash advances and fees, only to have my bank account # XXXX emptied that same day to take care of negative balance in bank account # XXXX that I never even wanted and had been confused with. Which put bank account # XXXX BACK in the negative causing fee and more panic and desperation for money for myself and kids to survive. Also trying to pay back loans I've had to make to get by. That caused even more extra financial hurt to me. US Bank has sent me into financial crisis I can't seem to get out of. 
To make matters worse, the same day they emptied my account, they reversed a debit card dispute I had made months ago for no valid reason. I explained how it was fraudulent. That somebody accessed my XXXX  at my boyfriends house while I was asleep.
Consumer complaint received 2024-10-03
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. (FL)

Ive been disputing inaccurate data on my credit report since XX/XX/year> Experian isnt doing proper investigations into the inaccuracy of the information not one account is displaying the accurate information and that alone is grounds for deletion all the credit reporting agencies should show the same account information otherwise its not accurate but for some reason they dont feel the need to do there jobs. And they just keep verifying inaccurate information as accurate which is far from true. Id hate to have to arbitrate with them but from the looks of it thats where its heading because its becoming increasingly frustrating I know the information is inaccurate they also know but they wont do anything about it an also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-10-03
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. (SC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.and according to 15 USC 1681s-2 they are suppose to 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

If you call Experian to attempt to have your credit freeze canceled or stop temporarily, you can not do so. The website does not work. No one will answer the phone all of the information they provide you does not work. Password does not work. You can not reset your password. You not can not create a new account because you already have an account. You can call back XXXX different times and you still can not talk to any person. I called XXXX. I can not reset my password because no one answers the phone. They just want to give you the information that doesnt work. I also called XXXX. It wont matter how many times you there is no one to help you and you can not reset your password without assistance, and there is no assistance. Therefore, your credit free can not be temporary lifted.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

i contacted this agency in XXXX the information is inaccurate. i have never given anyone my permission or consent to report my private information. as a consumer i demand all information on my report be eliminated as the law protects me from this fraudulent reporting. and you know what i am referring to.my credit has dropped. due to several inaccurate reporting and never have you verified by law my credit or the third parties reporting, stop and desist. take all information off my credit inquiries i do not recognized how is it possible i reached out to you and told you what was going on and you have done nothing you are in violation of several laws as a consumer you are violating my rights i do not want anything reported as you can not and do report accurately. 
stop clear up this file
Consumer complaint received 2024-08-29
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. (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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : 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 2024-10-03
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern, I am writing to formally lodge a complaint regarding fraudulent reporting on my credit profile by Experian. My ex-wife has unlawfully obtained services from XXXX in my name, and despite my numerous efforts, this fraudulent account has not been removed from my credit report by Experian. The incorrect information has already been removed from XXXX because they agreed it was unverifiable. But Experian continues to illegally report the issue on MY credit report. 

For over a year, I have diligently attempted to dispute this fraudulent XXXX account with Experian. Despite my efforts, Experian refuses and has failed to properly investigate and validate this debt, continuing to report it on my credit profile. This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information can be reported on my credit profile. 

Experian 's refusal to validate this debt or remove the inaccurate information is not only unjust but also illegal. As the account does not belong to me, it can not be legally verified. I request that the Consumer Financial Protection Bureau intervene in this matter. This unresolved issue has negatively impacted my credit score and is preventing me from obtaining necessary financing. 

I ask for your assistance in addressing this issue with XXXX to ensure that my credit report is accurate and that this fraudulent account is removed immediately. Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I have sent several letters to Experian about inaccurate and incomplete information. They responded with a letter about verification has been done. I have a right to dispute my report and they will not remove inaccurate information and not prove how they verified these accounts. At what point will they be held accountable for taking advantage of my consumer report. I demand the following accounts be removed and deleted from my consumer report. I did not give Experian written notice to publish my consumer report. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX The date of last payment is wrong. 

XXXX XXXX XXXX XXXX with account number XXXX Please send me all business and transaction documents to prove that this account was legally verified XXXXXXXX XXXX XXXX XXXX ; XXXX with account number XXXX This account was sold but still reports a balance XXXX XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX XXXX different dates listed under " date of last activity '' XXXX XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.