davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. I'm looking forward for the immediate deletion of this account. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting 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. ()

XXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX  XXXX ( Finance ) XXXX XXXX  XXXX ( Finance ) XXXX XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX  XXXX  ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XXXX XX/XX/XXXX
Consumer complaint received 2022-04-13
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. (AZ)

Reached out to Experian to remove a 60 day late fee charge that was incorrect. Spoke to the company XXXX XXXX and they agree that 60 day late report should be removed and all late fees but 5 late payments. Experian refuse to change or update report with documents that was provided
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was inaccurate after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus must verify the items. ( A ). If no proof is provided within the legal time frame, the reporting items can not be treated as unconfirmed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MID FLORIDA FINANCING LLC (FL)

The vehicle was damaged due to hurricane XXXX. The insurance company stated that it was going to be a total loss. I had not received any written communication from the finance company about my loan what was paid to the loan my repayment options no information what so ever but they reported a late payment to my credit report and stated it was charged off. This is absolutely unprofessional and was mishandled by this institution. I want the derogatory remark removed and the item updated on my credit report to show it was totaled due to a storm. I want written correspondence that I should have gotten. Shame on XXXX XXXX XXXX XXXX. I just started the home purchasing process and this is ridiculous.
Consumer complaint received 2024-08-21
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. (TX)

I submitted a dispute to TransUnion ( XXXX XXXX XXXX ) for XXXX items ( XXXX Automobile Loans ) on my credit report. I did not open these XXXX Automobile Loans and when the dispute came back from TransUnion, they had said the disputed items were verified as accurate. This is not true, as I did not open these XXXX Automobile Loans. 

After calling TransUnion, they said to report the fraud to Consumer Financial Protection Bureau, and send a cover letter, copy of ID and the CFPB Report Number to TransUnion XXXX XXXX XXXX 

XXXXXXXX XXXX XXXX - Date Opened XX/XX/year> - Responsibility : Individual Account - Loan Type : Automobile - Balance : {$34000.00} - High Balance : {$49000.00} XXXX. XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Responsibility : Joint Account - Loan Type : Automobile - Balance : {$46000.00} - High Balance : {$67000.00}
Consumer complaint received 2023-06-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against TransUnion for not allowing me to dispute unauthorized hard inquiries on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure TransUnion upholds its obligations as a consumer reporting agency. 

I discovered unauthorized hard inquiries on my credit report on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX, These inquiries were made by entities with whom I have never done business or authorized to access my credit information. In accordance with the FCRA, I promptly contacted TransUnion to dispute these unauthorized inquiries and have them investigated and removed from my credit report. 

However, TransUnion denied my request to dispute these unauthorized hard inquiries, stating that they were ineligible for investigation. This denial contradicts the provisions of the FCRA, which grant consumers the right to dispute inaccurate or unauthorized information on their credit reports. As per Section 611 of the FCRA, I am entitled to have these inquiries investigated and, if found to be inaccurate or unauthorized, removed from my credit report. 

Despite my attempts to resolve this matter with TransUnion 's customer service representatives, providing evidence of the unauthorized inquiries and emphasizing my rights under the FCRA, they have remained dismissive and non-compliant with the law. This disregard for consumer rights raises concerns about the integrity of TransUnion 's practices. 

Therefore, I kindly request the Consumer Financial Protection Bureau to investigate TransUnion 's practices regarding unauthorized hard inquiries. Their refusal to comply with the FCRA not only infringes upon my rights but also sets a troubling precedent for other consumers in similar situations. 

I appreciate your attention to this matter and request regular updates on the progress of the investigation. I have confidence in the Consumer Financial Protection Bureau 's commitment to consumer protection and ensuring fair practices within the credit reporting industry. 

Thank you for addressing this complaint promptly and protecting consumer rights.
Consumer complaint received 2023-07-05
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. (AZ)

I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I started receiving emails from Capital One about a credit card account in early XXXX. I did not sign up for a credit card. I do not have an account with Capital One. I checked with my bank and credit reporting services to see if there might be a fraudulent use of my info. There was no fraudulent use of my personal info as far as we could tell. 

I called Capital One. We determined that someone with my same name, but a different middle name, had opened an account. They must have incorrectly entered their email address because all of the emails from Capital One are coming to my email ( XXXX ). On my first call with Capital One, which lasted more than an hour, I was bumped between departments 6 times until I was told that the issue was resolved and I would no longer receive these account emails. 

A few days later, I received more emails. These emails included login reset instructions, so I am worried about their security protocols and my information being exposed. 

I called Capital One again and was again on the phone for more than an hour being passed between departments. I was given to a supervisor. Again, I was told that the issue was resolved and I would no longer receive any emails. 

The emails continued. 

I called a third time, and was one the phone with a number of departments for 90 minutes. I spoke with another supervisor and was assured that the emails would stop. 

The emails are continuing and I am receiving emails about payments due, changes to credit reports, and account login changes. 

I have attached a sample of the emails I have received. I have received 51 emails in total.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 1.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2.Validate Account XXXX XXXX XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 3.Identity Theft. 
XXXX Account Number:XXXX i dont recall having latepayment on this account 4.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 5.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report. 
6.Identity Theft. 
XXXX XXXX XXXX Account Number:XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-09-18
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. (OH)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently checked my credit report and discovered fraudulent accounts. Kindly remove them, as they are affecting my ability to get credit. 
XXXX XXXX XX/XX/XXXX - {$2300.00} Account Number : XXXX XX/XX/XXXXXX/XX/XXXX - {$6700.00} Account Number : XXXX XX/XX/XXXXXX/XX/XXXX {$6200.00} Account Number : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was lead to believe I was getting a at home but then the company hammy cash in a check of {$1400.00} on XX/XX/XXXX to help pay for my equipment see it on XX/XX/XXXX to send me {$2400.00} on a check both through email, then on XX/XX/XXXX XXXX cashed in a check of {$650.00} he told me to use the XXXX and the XXXX checks to buy gift cards with {$500.00} consisting of them. They also told me to keep {$250.00} of that {$650.00}. I have made it into my account but on the XXXX. My account reached- {$1400.00}, the check bounce, and when I went to report it with my bank, the investigator came back and told me that all the checks that I put in were fraud but since I used them even though I didnt know they were fraud since I still use them. I still have to pay for the negative debt. FifthThird rejected my ask for help and told me that I still have to pay off the debt.
Consumer complaint received 2023-09-22
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-22
Product: Credit reporting 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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-09-18
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. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-18
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. (LA)

I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX  Account Number : XXXX Reason for Dispute : I did not authorize this account there is no contract baring my wet signature this must be deleted. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely,
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.