davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I filed claims against Experian and XXXX over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/2023 Experian CFPB Claim # XXXXXXXX XXXX  CFPB Claim # XXXX
Consumer complaint received 2019-03-01
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (IN)

ORIGINAL DISPUTE : XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2019 Consumer Number : XXXX Case Number : XXXX It has been well past 15 days since this was submitted to LexisNexis and i still have not received any results nor have they update the original dispute with the requested documentation. LexisNexis has now violated the regulations set forth in FCRA. You had 15 days it has now been well over 30 days since submitted, 28 days since you received it.
Consumer complaint received 2023-08-08
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: OneMain Finance Corporation (NY)

Hello, I would like to report fraud on my credit report. There is an inquiry by One Main Financial from XX/XX/2022. This is fraudulent activity. I did not engage in any business activity with the company and am not a customer. This is a false report that should be removed from my credit report.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (CA)

ive recently checked my consumer report and noticed that there were a few unauthorized inquires that I did not apply for nor gave consent to anyone, these inquiries are fraudulent and needs to be blocked and removed according to 15 usc 1681c-2-a ( blocking information resulting from identity theft ) also this dropped my credit score where on of my credit cards limit dropped due to my score decreasing from those inquires in question, Inquiry 1.XXXX XXXX XX/XX/2023 Inquiry 2.XXXX XXXX XXXX  XX/XX/2023 Inquiry 3.XXXX  XXXX XXXX  XX/XX/2023 Inquiry 4.XXXX  XXXX XXXX  XX/XX/2023 according to fcra 15 usc 1681n- willful non compliance-15 usc 1681n ( a ) ( 1 ) ( a ) any actual damage sustained by the consumer as a result of the failure damages not less than {$1000.00}
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (PA)

I tried to open an account with XXXX XXXX they advised me that a company called early warning systems had a bad report on me for checks. I explained to them in XXXX someone tried to use my bank account that I had with XXXX XXXX XXXX all my identity was stolen. I dealt with the same problem with XXXX XXXX  and they verified that it was fraud and that I had nothing to do with this. XXXX XXXX  removed it I also sent them a police report showing them my identity was stolen in XXXX, XXXX, then again XXXX this has been a on going problem I believe its a family member who lived with me. This person has opened accounts, credit cards, applied for apartment 's and charged cards up that i had. she has had my Identification, bank cards and social security card.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2021-01-29
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. (CA)

Hello, I have never authorized the inquires that I found recently in my credit report. I have never gave any company any permission to do that, why do I have these inquires in my credit report? I do not know them, and can not even connect them with my own activities .... its clear error in my reporting for sure or identity theft so please make sure that you delete them and I do not need to write you 100 times asking for this simple thing. 

Thank yo! 
XXXX
Consumer complaint received 2023-06-14
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. (TX)

I am a victim of identity theft. I have requested on mutiple occasion that these accounts be removed from my credit report and i have also mailed in an ftc report to validate this identity theft and they still refuse to remove the inaccuracies from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or service as a result of the identity theft. 

( XXXX ) XXXX XXXXXXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXXXXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXX The following inquiries were not done on my behalf : ( XXXX XXXX XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX  Date : XXXX ( XXXX XXXX XXXX DATA Date : XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX ( XXXX ) XXXXXXXX XXXX Date : XXXX
Consumer complaint received 2023-06-14
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. (MS)

TransUnion XXXX refused to remove all disputed hard inquires from my credit report ; although the inquires are there against my consent which is illegal according to the FCRA. If the issue is not rectified immediately, I will take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I XXXX
Consumer complaint received 2023-06-13
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX NOT PROVIDED XXXX {$190.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-01
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. (PA)

XXXX XXXX XXXX has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2023-06-13
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. (OH)

In accordance with the Fair Credit Act. The list of accounts violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681 : 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 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In early XXXX, I sent investigation requests to XXXX and Trans Union. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA (MD)

XXXX XXXX opened an Apple Card account and placed in their " XXXX  '' electronic portal and is charging my XXXX  subscription to the account, bypassing the XXXX XXXX  account I established to pay Apple. On XX/XX/2020 I contacted Apple. " Apple Card : I never signed up for an Apple Card. I do not need another credit card. I have a XXXX credit card that goes with my Apple account ''. I am being pushed around between Apple and Goldman Sachs the card issuer. I have a trail of messages in which I made two request have the Apple card terminated. I paid pass bills via a check and requested termination of the account. XXXX XXXX XXXX charged the XXXX account and the Apple account. XX/XX/2020 I filed a dispute with the merchant Apple. I can not get the Apple card removed. The Apple Card is all electronic. I do not know the account number. I have no control of the card. I am requesting CFPB investigate the practices of Apple and Goldman Sachs. To repeat I never applied for an Apple Card. I never signed any documents agreeing to use Apple card. This is fraud in my book.
Consumer complaint received 2019-07-25
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. (UT)

XXXX XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, DEPT OF ED XX/XX/XXXX Transunion, XXXX XXXXTransunion, XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX TRansunion XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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 2023-06-13
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. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (TX)

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 XXXX 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 2023-06-12
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. (CA)

In accordance with the Fair Credit Reporting Act, specifically section 602 ( a ) of 15 USC 1681, it is crucial for consumer reporting agencies like XXXX and Experian to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information.

Under section 604 ( a ) ( 2 ) of 15 USC 1681, consumer reporting agencies such as XXXX, XXXX and Experian are only permitted to furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer. I have not provided written consent to these agencies or the furnishers of information, and any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to choose not to disclose. However, the furnishers of information to credit agencies failed to inform me of this right.

Furthermore, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse information in a consumer report unless authorized by subsection ( b ). This adverse account, which is being reported without my consent, falls under the category of unauthorized information according to the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person should furnish inaccurate information to a consumer reporting agency if they are aware or have reasonable cause to believe it is inaccurate. XXXX and Experian, therefore, are in violation of this provision.

To maintain compliance with the law, every consumer reporting agency must establish reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports to the purposes outlined in section 1681b, as stated in 15 U.S. Code 1681e. Unfortunately, XXXX and Experian have failed to uphold these reasonable procedures. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. This means I no longer wish to be included in your reporting activities.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I received a bill of {$1500.00} from Hyundai Motor Finance, but when I asked for an itemized bill, they refused to provide it. Instead, they sent me an old bill with an incorrect number. I need the itemized bill because I have excess insurance on the car, and the insurance requires it to cover the excess. Despite asking for the bill several times, I have not been successful. I ended up sending the incorrect bill to the insurance company, which took a long time to resolve. As a result, the Leasing company put a late balance on my account, and I'm facing difficulties with my credit score.