davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (PA)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (UT)

Good morning, I am reaching out in regards to this provision that applies to those with auto loans where payments were not applied correctly and might have resulted in higher interest or late fees, as well as wrongful repossessions. It also applies to those that paid for GAP coverage ( covering the full loan after accidents or theft ) when Wells Fargo didnt refund money in some cases, as in when the loan was paid ahead of time. 

Thank you. 

XXXX
Consumer complaint received 2022-11-15
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)

Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the item right away. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (MO)

I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the Experian, XXXX and XXXX Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : EXPERIAN : XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$72.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX : XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I reached out to Experian to correct inaccurate personal information on my credit report. There is an address listed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I asked for this to be removed, but the rep ( XXXX XXXX stated that it can not be removed, because the address is listed by a creditor. When I asked the name of the creditor, he stated XXXX XXXX. I haven't conducted, nor ever received a statement, or any other business with XXXX XXXX from that address. Also, XXXX XXXX has the credit account as a charge-off, but they never sent me a XXXX. XXXX XXXX is also selling my information to debt XXXX without consent ( please see attached letter ). I need XXXX XXXX to have that inaccurate information deleted off my credit report immediately. XXXX XXXX is utilizing unfair credit practices.
Consumer complaint received 2023-08-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crow Creek Sioux Tribe (AL)

I received a phone call from XXXX from a man claiming to be XXXX XXXX. He stated he is an attorney and that he visited both mine and my parents addresses looking for me today and provided my full social security number. He then stated I owed money to XXXX XXXX for an outstanding loan and that I was being sued for attempt to defraud a financial institution. He went on to say that I can forgo legal action if I pay {$1300.00} by phone at the time of the call or else, I am due in court tomorrow. He was extremely demanding and hostile. The entire interaction was forceful and abusive in an attempt to collect the funds by phone. I repeatedly asked for the name of the business where he is employed, and he would not provide a business name. I later called back from a blocked number and was able to obtain a business name of XXXX XXXX  XXXX. He proceeded to then call my mom with the same hostile, aggressive tone stating he was trying to reach me in regard to " my case '' and that he would be showing up to both of our houses and places of employment tomorrow. 

After the call, I contacted the originating lender. I was advised that I do have an outstanding loan but that their company does not contact customers by phone. They advised that my account has been transferred to a third-party company, XXXX XXXX. Neither XXXX XXXX XXXX nor XXXX XXXX have any affiliation with XXXX XXXX  XXXX.
Consumer complaint received 2024-10-31
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.
Consumer complaint received 2024-10-30
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. (MI)

Dear Whom It May Concern, I am writing to formally dispute the late payment entries reported on my credit report attributed to your company. It has come to my attention that these entries may be erroneous and could be a result of identity theft, of which I am a victim.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Additionally, the FCRA mandates that creditors must provide accurate information and investigate disputes upon request. According to 15 U.S. Code 1681s-2, it is illegal for creditors to report inaccurate information. Therefore, I request that you cease reporting these late payments until this matter is resolved. 
To validate the accuracy of your claims, I kindly request that you provide the following : The original signed contract that includes my signature. 
A photocopy of my government-issued driver 's license or other identification that verifies my identity. 
Without these documents, your reporting lacks substantiation, as I am unable to affirm that the account in question belongs to me. In addition, I want to bring your attention to the identity theft I have experienced. Attached to this letter is a copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ), which outlines my situation. 
To prevent further fraudulent activity, I have taken proactive measures by freezing my credit reports with all primary and secondary credit reporting agencies. This action reflects my commitment to safeguarding my identity and ensuring that no further fraudulent accounts are opened in my name. 
I expect your prompt attention to this matter. Should you be unable to validate the claims against me with the requested documentation, I urge you to update your records to reflect the accounts as " paid '' or remove the derogatory information from my credit report entirely. 
Please respond to this request within 30 days of receiving this letter to avoid further escalation of this matter. Thank you for your cooperation in rectifying this issue promptly. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I have notice that several accounts are being reported inaccurately on my credit report. This is not a third party filing this complaint. This is me. Due to these inaccurate reporting ls I have been denied lines of and I have been denied for a refinance on my home. Please correct these inaccurate reportings immediately. Best regards.
Consumer complaint received 2023-08-10
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. (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.

has violated my rights. Or 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 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citibank closed my account and is saying they will mail out a check after 60 days. They did not provide a reason for this closure. My account was flagged for an account take over because I didnt pass the voice verification while adding my card to my apple wallet, and I went to the branch. Apparently this caused a review on my account and I received a call back saying it was terminated and they couldnt give me a reason why.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this is my 2nd attempt to dispute an remove all items listed. checking over my credit profile ive noticed alot of data that is reporting illegal an fraudulent infromation on my credit file asap. please review an remove the listed items to help clear my data an information listed asap.
Consumer complaint received 2024-10-31
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. (AZ)

Upon reviewing my credit report, I found several inaccuracies. The XXXX credit bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-06-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: POPULAR BANK (OH)

I went to XXXX and filed for a loan their number XXXX, ive spoken with a man named XXXX and XXXX. at ext XXXX and XXXX they claim that when you pay XXXX for the first initial payment, they then will place the money into your bank account. Once they receive the money, they do not place the money into your account and they continue to tell you that they need another XXXX dollars to do the transaction. they are using a phone number for XXXX Illinois and the police department in Illinois stated that they are a fraudulent company claiming to be in XXXX Illinois and after they investigated the company, they found there is no company. They believe this company to be overseas. I have receipt showing money was transacted, text to show they contacted me. Please I need you to return my call regarding this fake company. my number is XXXX and my name is XXXX XXXX. thank you.
Consumer complaint received 2023-08-11
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

Experian XXXX XXXX XXXX XXXX is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX account. 

In detail, Experian has : - Included my entire transaction history with XXXX XXXX XXXX  on my credit report dated [ date ], such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXX XXXX  as the furnisher. 

- Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states Experian can only provide my report with my written instructions. I did not provide such instructions. 

- Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

- Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

- Acted negligently and is therefore liable under 15 U.S.C. 1681o. If Experian claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a. 

In summary, Experian has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate Experian and take appropriate enforcement action to stop these violations. I will also be filing a complaint with the FTC regard Experian 's illegal activities. I also request compensation for damages caused by Experian illegally accessing and furnishing my private data without consent.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had two credit cards with the company named XXXX. One was a secured card with a credit limit of XXXX XXXX, and the other one was an unsecured card with a credit limit of XXXXXXXX XXXX. Due to some personal situation, I had to quit my job. While waiting for some funds to be deposited into my bank account within 60 days from my resignation date, I was not able to make my payments on time. But as soon as I received the funds I made full payment on both of the credit cards. One of the XXXX representatives lied to me by saying that my account was still open and that as soon as the payment got reflected on both of my accounts I was going to have my credit available. Later I realized that was not true because both accounts were closed by the company ( XXXX ). The problem I am having is that even though I made my payment in full for both accounts more than 30 days ago the company XXXX is still reporting wrong information to the credit bureau when both of my credit cards have been paid in full and as I said, both credit cards account have been closed by XXXX. This bad reporting is affecting my credit report, my XXXX XXXX has dropped XXXX points because of this bad report from XXXX. My last payment to satisfy the unsecured credit card account in full, payment was made on XX/XX/XXXX for {$12.00}. But previous to this date I made another payment on the unsecured credit card for the amount of {$950.00} on XX/XX/2023. Also on XX/XX/2023, I made a payment of {$190.00} to satisfy the secured card account in full. I do not understand why the XXXX company is continuing to report accounts that have been paid in full by me ( the former account owner ) and closed by the credit card company " XXXX ''. Please help. I have been working so hard to pay all my debts and to improve my credit score for things like this to happen. I made these payments using my XXXX Checking or Saving Account.
Consumer complaint received 2017-02-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (IL)

Foreclose date incorrect on credit reports. CIT Bank reflects a foreclosure date on XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and XXXX XX/XX/XXXX. Date of foreclosure deed was transferred to trustee was XXXX and date stamped by circuit court clerk was XX/XX/XXXX. Reflects on my credit report under account XXXX.