davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$78.00} XXXX XXXXXXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$88.00}
Consumer complaint received 2022-08-05
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. (OH)

Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Transunion is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Consumer complaint received 2022-05-16
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. (LA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountXXXX  : XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 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 1681e - Compliance procedures ( b ) Accuracy of Report 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 the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX XXXX XXXX XXXX and Account Number XXXX : XXXX XXXX
Consumer complaint received 2022-05-16
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance Owed : {$370.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$890.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$79.00} ; XXXX  XXXX Balance Owed : {$240.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; showing on my credit report XXXX I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Some time in XXXX a bank account was opened at Bank of America. Here are the pertinent dates : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account # : XXXX. This account was opened while I was in the XXXX XXXX XXXX XXXX serving a term of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed this account through XXXX XXXX XXXX  as instructed by Bank of America. Within 14 hours of the dispute, XXXX XXXX XXXX XXXX XXXX ) deleted the entry and blocked B of A from making anymore entries on to my report. 
The dispute was sent to the wrong department at B of A ( regular disputes as opposed to Identity Theft disputes ). Rather than leaving everything in place and transferring the dispute to the right department, B of A denied the dispute as accurate and the freeze and deletion were rescinded. I believe a violation of federal law occured when this was done. I had two applications that were denied in the past 48 hours because of this. XXXX was for an apartment and one was for a credit card.

Every other company that received the supporting documents ( I believe the total was 9 ) immediately removed the entry from my credit bureau. 
Today, I called B of A and spoke to no less than 4 different departments. Finally, a manager advised that I pay the amount ( approximately {$270.00} ) and that would at least show that the overdraft ( even though it was identity theft ) was paid off. Once I paid the amount I was told that nothing could really be done because by paying it, I basically admitted the Identity Theft didn't occur. 
This was so egregious that I don't have words for it. It is the the type of behavior that put me in XXXX in the first place. 
Bank of America did no investigation. They lied to XXXX XXXX. They cut corners and tricked me into paying a debt that was not mine. 
The truth is that they don't even have to rely on any documents that I send them. If they took five minutes to do a XXXX search of my name they would see that everything I state is the truth as my case is all over the internet. 
I request they be fined or punished in some fashion. I ask that the funds I paid them them today be reimbursed and they be made to remove the negative entries on both XXXX XXXX XXXX and XXXX immediately. 
Thank you for taking the time to read and investigate this.
Consumer complaint received 2022-07-12
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. (AZ)

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00}
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (MI)

Please read the email message below that I have already sent to Consumer Financial Protection Bureau and Chase Corporation. Because I am concerned how my credit could be compromised or damaged by ID theft and fraud, I am forwarding the original message to your office. 


from : XXXX XXXX XXXX to : XXXX XXXX : XXXX date : XX/XX/2022, XXXX XXXX subject : possible ID theft and/or credit or debit card fraud mailed-by : XXXX To Whom It May Concern : Today on my cell phone I received an automated message from Chase at XXXX reading XXXX " We Have Restricted Your Debit/Atm Card Due to Some Unusual Activity Detected, To Restore Follow ... '' This is highly suspicious because the debit card I carry is NOT Chase, but one connected to my XXXX XXXX XXXX XXXX XXXX XXXX. Also, the credit card I carry from XXXX XXXX Bank has an XXXX XXXX logo on it. 

For this reason I am contacting the Consumer Financial Protection Bureau and Chase Corporation. 

If anyone is using my name, financial credit and any credit card or debit card issued in my name please forward the information to the FBI and any applicable local and State police. If the Chase card in question was used in a XXXX country, in XXXX for example, please also report the crime to local, provincial and national law enforcement agencies in that foreign country or countries. 

Finally, if another person is using my identity or credit this must be put to a Stop and arrest rather than only be Restricted. I have NOT authorized any other user of any debit or credit card that I carry or have carried in the past. 

Sincerely : XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2022-07-13
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. (FL)

On XX/XX/XXXX I filed a complaint against XXXX XXXX via the CFPB about them threatening and taking negative action on my credit report. I have disputed the result that were provided to you by XXXX XXXX with Experian. Experian has failed to update my credit report and is still reporting monthly status of Charged OFF on the closed account of XXXXXXXX XXXX. This action has caused negative result significantly on my credit report. On my credit Experian credit report XXXX XXXX has reported a Repossession of the vehicle on XX/XX/XXXX and since XX/XX/XXXX up until this year XX/XX/XXXX Experian and XXXX XXXX has reported a Charge off status every month for 5 years. This is reporting has hurt my credit score and caused me financial ruin.
Consumer complaint received 2022-05-16
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (NJ)

Good afternoon, I took out a loan from XXXX  XXXX to finance my solar panels and solar battery. They used Sunlight Financial who uses XXXX XXXX XXXX  to originate the loan and then transferred the loan over to XXXX XXXX  XXXX. The issue is that I am being charged unearned fees in interest for an APR of 3.49 % when the loan agreement I signed the APR is 2.99 % with ACH withdrawals as a discount. I have contacted SunlightFinancialXXXX every month for the past 3-4 months to let them know the payment amount they listed to pull from my account and are currently pulling from my account is overstated at {$160.00} when I am only supposed to be paying {$150.00}. They have updated the APR on the later statements but are still charging me a higher monthly payment on unearned fees. I have reached out several times and this has still not been resolved. What I would like as a resolution would be my next ACH payment on XX/XX/2022 to be drafted correctly for the correct payment amount & this remark to remain on their record so that they dont display this negligence again with either myself or other consumers.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-05-16
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. (MD)

This inaccurate address are reporting on my personal credit file with XXXX, Experian and XXXX credit reporting agency There is no name associated with this file, I don't think this information are 100 % accurate. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-04-20
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX A 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 2022-04-15
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.