davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (WI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX   incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. 
-These account has never been late or had ever been late with another XXXX XXXX in the past. 
-They also failed to notify me at least 21 days prior my due date.

Under U.S Code 1666b, they must do so in written to notify, but had never did so.

Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. 

" The CARES Act, which was signed into law on XX/XX/, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX  and XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2024-10-18
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. (NV)

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX - XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-07-03
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. (VA)

I have contacted  XXXX , about a unauthorized inquire showing up on MY Experian and  XXXX   XXXX  credit report back in  XX/XX/XXXX . I  have reached out to  XXXX  several time from    XX/XX/XXXX   to  XX/XX/XXXX  with no   resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind.   XXXX  I have been a vi ctim of Identify theft twice within the past 10 yrs. I have co ntacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all  XXXX  credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA JUST CALLED AND I AM LIVID BY THE XXXX BLATENT DISSRESPECT!! 

The assumed alot and are justifying abusing XXXX people. They can try to spin their story and THEY HAVE AND WILL. 

The CEO didnt even respect me enough to contact me directly, he sent a represantative. 

I am devastated and I am absolutely positive that if I am being abused so are millions of others losing their accounts and possibly funds by ill-gotten behavior from USAA. 

I tried to keep my XXXX private but OBVIOUSLY i am forced to explain that I was kicked in the head multiple times, no I will not read your XXXX XXXX regulation changes, my head is on fire XXXX and you think its ok to threaten to upset my entire life! XXXX that!!! 

There are laws in place for a reason .... I cant be doing this!! My XXXXXXXX XXXX XXXX and USAA is breaking tons of laws and abusing their authority and covering it up with " justified-bad behavior ''
Consumer complaint received 2017-07-03
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. (MI)

I contacted XXXX and spoke with a customer service representative, and then a supervisor. <P/>I informed them of the new policies that went into aaffect on XXXX XXXX, 2017 on Public Records and Judgements that appear on an individuals Credit Report. <P/>The Supervisor stated that I could file a complaint, but the XXXX Public Records would remain on my Credit Report. <P/>I need your assistance on having these items removed as well as reaching out to XXXX so that there Departments throughout the Country that speak with Consumers have been educated as to what can be on a report and items that should not be. <P/>Thanks for your time.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I had 2 deposits for XXXX in my checking account on XX/XX/2023 that was on hold until XX/XX/XXXX and XXXX in my savings that was deposited XX/XX/2023 and was on hold until the XX/XX/2023 and once they both was available for use and then they restricted my account. Causing me to be homeless NEVER HAD A PROBLEM WITH MY DEPOSITS UNTIL I JOINED CHASE.HAVENT HAD ANY ACCESS TO MY MONEY OR NO MONEY goin on 3 weeks.
Consumer complaint received 2023-03-27
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)

I sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-08
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. (FL)

Dear Experian Consumer Assistance, I am writing to file a formal complaint regarding a case of identity theft that has resulted in fraudulent account activity on my credit report. I request your immediate investigation into this matter and the removal of the following fraudulent account from my credit report : Account Information : Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$680.00} No. of Months ( terms ) : - High Credit : {$680.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX I have recently fallen victim to identity theft, and I have taken the necessary steps to address this issue. I have already filed a police report with my local law enforcement agency, which I have attached to this complaint for your reference. The police report number is [ Police Report Number ]. Additionally, I have placed a freeze on my credit reports with all three major credit reporting agencies. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute inaccurate or fraudulent information on my credit report. I hereby exercise my rights and formally dispute the above-mentioned fraudulent account, which has been falsely associated with my identity due to the identity theft I have experienced. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent account from my credit report. The presence of this erroneous information not only tarnishes my creditworthiness but also violates my rights under the FCRA. 

In support of my claim, I would like to draw your attention to relevant case law that upholds the rights of consumers in situations like mine : [ Provide the relevant case law information here, including the case name, court, and key details that support your argument. ] I kindly ask that you provide me with written confirmation of your investigation and the actions taken to rectify this situation. Furthermore, I request that you supply me with an updated copy of my credit report, reflecting the necessary corrections once the investigation is concluded. 

I greatly appreciate your immediate attention to this matter. If you require any additional documentation or information, please do not hesitate to contact me at the phone number or email address provided above. I anticipate a prompt resolution to this issue and the restoration of my accurate credit history. 

Thank you for your assistance in rectifying this unfortunate incident of identity theft. 

Sincerely, Enclosure : Police Report Regenerate response
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/2023, I sent a letter to the major credit bureaus to update my personal information because there were several addresses that do not belong to me and I have not received any documentation of the removal or seen any with my credit monitoring update. I have included my personal documents for the investigation to be conducted and there is no communication from any of the main three bureaus within the last 45 days. I am being denied the right to dispute inaccurate information.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information 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 The inquiry in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the result of identity theft and fraud.
Consumer complaint received 2023-08-10
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)

Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove this account completely from my credit reports. DEPTEDXXXX XXXX.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

OCWEN LOAN Acct # XXXX Ocwen Loan Servicing is reporting inaccurate and damaging information to XXXX. The above account appears on my credit report but I do not have that mortgage. We spoke with XXXX onXX/XX/XXXXand sent a letter for investigation, We spoke with XXXX onXX/XX/XXXX and sent a letter for investigation. Letters were sent to the research department the research department in XXXX and XXXX but there was no response. The item must be removed from my credit report.
Consumer complaint received 2017-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

In XX/XX/XXXX, I began reviewing my credit report and have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. I sent a second round about a month later, again some items were addressed and some were not. I sent the attached letter directly to a company by the name of XXXX XXXX XXXX. I believe in response to this letter - XXXX XXXX XXXX sent me the attached letter deleting my file and to my understanding deleting this from my credit report. Now, I have received this letter from Central Credit Services. Referencing that they have been asked by XXXX XXXX XXXX to investigate a debt - and WITHOUT PROVIDING ME EVIDENCE THAT THIS IS MINE are attempting to coordinate a payment plan. I have several account numbers that I 'm looking at and everything is getting confusing. NEITHER creditor is validating that these items are mine. The dates do n't make sense. The locations do n't make sense. I have always had health insurance. I have NO IDEA what this is and quite frankly i am sick and tired of asking. It appears as though this account is being bounced around from creditor to creditor. Regardless- i need clarification on ANY & ALL ACCOUNTS that either one of these creditors " say '' belong to me. I am asking for proof as constituted by the law ... which means something bearing my signature, or a contract in my name. This is a waste of my time, energy and money.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX regarding an account ( Account # XXXX ) that has been inaccurately reported on my credit report, and it has been duplicated without proper verification. This issue is seriously affecting my credit score, and it has jeopardized my chances of securing a loan. I kindly request the immediate removal of this account from my credit report. 

XXXX XXXX has failed to provide adequate verification of the legitimacy and accuracy of this account. Additionally, the presence of duplicate entries further demonstrates a lack of proper due diligence in their reporting practices. 


The inaccurate and duplicated account entries have caused a significant and unwarranted negative impact on my credit score. This has not only damaged my creditworthiness but also hindered my ability to access necessary financial services, particularly my chances of securing a loan.