davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (NY)

Despite the multiple previous written requests, the unverified this item listed below still 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 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to sign up for insurance for my new car i just got they asked for XXXX XXXX down so i gave them my card, they pushed it in the machine made me put my pin number, it got declined. Then the insurance lady said we can try the card again but before i wanted to try again i checked my account to see if i got a message from citi ( i usually do when my card gets declined ), it turns out the XXXX XXXX  was sucessfully tooken out of my account but it was declined on insurance card machine. So im thinking where the XXXX did my money go IF my bank ( CITI BANK ) doesnt have it and i can not get a receipt cause my card was DECLINED and i disputed it 5 minutes later with my bank, they declined 2 claims and im on my third claim from this dispute, citi bank is not helping me at all to get my money back they wont even send a agent to check out the scammy insurance place but if they dont have my money im assuming its my bank.
Consumer complaint received 2023-06-30
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For months now Ive been trying to get information and asked them to investigate this collection ( ( XXXX credit Bureau ) ) on all XXXX credit bureaus. 

The credit Bureaus told me that all the information was verified but with trans union dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all XXXX bureaus are inaccurate, last date accurate not reported.

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since XXXX.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I notices in XX/XX/XXXX of XXXX, a two transactions in one of my accounts of Bank of America, one for the amount of {$850.00} and the other one for the amount of {$350.00}, immediately I proceeded to call them and the customer service representative help me to discover that they are been taking little amounts of money since XX/XX/XXXX through XXXX merchant from IL, NY, CA. We proceeded to cancel that debit card and sent me a new one and The bank opened a claim a return the amount in my account until they concluded the investigation. Last week XX/XX/XXXX they took all the money bank and they statement is that according to the merchant they probed with a email that doesnt belong to me and an old address that they transactions belong to us. That email never belong to my husband or my person, and I dont leave in that address more than 3 years ago of course they stole personal information and identity. My account is not been related to XXXX since XXXX of XXXX. I have many business and personal accounts with this bank and this personal account wasnt checked by us daily but I noticed it when I saw my balance reduced one day for more than {$1000.00} dollars in one day. I can provide you with anything you need to probe that this is a fraud against us through identity theft and debit are fraud for more than {$2800.00} dollars since XX/XX/XXXX. to XX/XX/XXXX, I really need the bank to solve this matter to a loyal customer instead a company that provide false information.
Consumer complaint received 2023-06-30
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-30
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)

I called your department after I purchased a credit report with Experian on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-06-30
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. (MD)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc ()

Someone in XXXX used my identity and rented apartment in washington DC area and left that apartment company with a balance of {$1000.00}. I had left XXXX on XXXX XXXX, XXXX to XXXX after selling my house on XXXX XXXX, XXXX in XXXX XXXX Michigan, Since then I have become permanent resident of XXXX and I presently work here also in XXXX, XXXX. 

this company said in order for me to take my name away from their call list they need me to file a formal report to CFPB and police. But Michigan police said I need to come in person to file the report as they don't except online complaints. 

Hence, I hereby request you to please help me in this regard. I have XXXX credit score and presently have business in Michigan and own a house too.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (NY)

I made a purchase online to a site that happen to look like a XXXX site I was charged for the XXXX but I never got any word from this transaction after I paid {$79.00} for what was supposed to be a electric scooter that I never got or saw my money back from since XX/XX/2023 I sent them emails and I tried requesting my refunds for the purchase I was never given I even contacted my bank and they haven't done a thing but have me waiting and they built up a case on this and its been 7 days with no solution
Consumer complaint received 2023-06-30
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (GA)

I would like to file a complaint against XXXX, XXXX XXXX XXXX, XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Consumer complaint received 2024-10-16
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. (WI)

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Nevada XXXX. 

TO : XXXX XXXX. 
XXXX. 
EXPERIAN. 
To Whom It May Concern : I am writing to ask that you please review your records for me and make any necessary corrections. 
I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. 
Below is a summary of the data in which I am challenging : Personal Information for Experian, XXXX AND XXXX NAME : XXXX XXXX The only name I go by is - XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. 
XXXX I only reside at : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, NV XXXX. 
Please remove any address you have in your system that does not match - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please the incorrect work history reflecting on my report as well, since I no longer work for the companies listed. 
Sincere Regards, XXXX XXXX. 

Please send your written response to my address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ,Nevada XXXX I am aware that you have been sending out form letters in response to many of the disputes andchallenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-06-30
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-30
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. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am submitting another CFPB complaint directly to XXXX and Equifax Credit Bureaus, as when checking my XXXX Credit Report, I found that the fraudulent inquiry I requested to remove was no longer be seen in my credit report. So I kindly request to the remaining XXXX credit bureaus to fully remove these remaining fraudulent inquiries from my credit file : 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