davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, am writing this complaint in response to complaint XXXX. You stated that my credit report was updated and that the late payment reporting XX/XX/XXXX was removed but it is still reporting on my most recent credit report which I will attach for your reference. I will be suing XXXX and Transunion if this account is not updated or removed from my credit report. Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XXXX This account should have been removed in XXXX, yet it is still reporting. All of the payment history in XXXX is incorrect. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that XXXX and TransUnion follow suit.
Consumer complaint received 2023-11-09
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. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX2016 I received an updated credit report with a previously disputed account, XXXX XXXX XXXX being deleted from my file. On XX/XX/XXXX2016 I received a credit monitoring alert with XXXX XXXX XXXX being reinserted on my file. This account was never verified, nor was proof of verification sent which is why it was deleted on XXXX/XXXX/16. I was never notified within the 5 days of this account being reinserted on my file or proof of veriffictation method or documents. When I contacted Equifax I was advised the account was never disputed, there were no police reports on file, and the account belongs to me. I have an updated credit report from XX/XX/XXXX2016 with this account listed in the results as well as a report from XXXX/XXXX/16 showing this account was removed. The rep then hung up on me once I started quoting the FCRA laws.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX 15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 : Also states a consumer reporting agency can not furnish an 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.

16 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.

1681 a ( 2 ) A ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

According to the FCRA, late payments should not be reported as negative information. I have discovered multiple inaccurately reporting late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

Y boyfriend had a XXXX  account over 10 years ago when he paid the bills. Over 6 years ago I changed it to my name and email. I went into xoom to send money. They are attached and noticed it said it was paid by him. I contacted xoom to update my info and they instructed I needed to contact XXXX So I did. The next day I went to log in and it says due to their user agreement they have restricted me from using the account. I called and they would not give me a reason why even with my boyfriend on the phone. However they think it's perfectly okay to keep my banking and debit card info. I have a lot of money in my account and there is no way they should be able to tell me zi can't use their service yet they have the availability to have my banking info. That's garbage and I want it immediately removed with all the identity theft how dare they.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

After contacting the CB I 'm getting no responses from faxes and letters. These inquires were not authorized by me nor have I had any credit granted by these companies and I want them off my Equifax report : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX16 5 ) XX/XX/XXXX16 6 ) XXXX16 7 ) XXXX XXXX XXXX XXXX16 8 ) XXXX XXXX16 9 ) XXXX XXXX XXXX16
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.
Consumer complaint received 2016-10-05
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2016, I walked into the Wells Fargo Branch where I normally do my banking. I requested a banker to help me wire some funds to another country. Basically, I provided all the necessary information to the banker so she would process the wire. It was towards the end of the work day. She told me that it would take 5 to 7 days for my cousin to receive the funds. Seven days passed and my cousin had not received the funds. So, I asked my cousin to inquire at the bank in XXXX where the funds had been sent to. It turned out that the Banker at the Wells Fargo branch had made a mistake when she entered the information. One of the numbers in the account was wrong. Consequently, I went back to speak with the same banker about the mistake. She compared the information I provided to her and what she had entered, and sure enough she had made the mistake. She suggested that the next step should be to amend the wire, and she did. Again, she said 5 to seven days for my cousin to receive the wire. After seven days passed my brother had not received the funds, and so I went back to the branch again. This time the manager at the branch told me that she was in charge of the case. So, she filed a recall, and pretty much nothing has happened after not. Every time I contact Wells Fargo all they are able to tell me is that they have been writing letters to the bank in XXXX but they have not received a response from them yet. In my opinion, I feel like Wells Fargo is not doing enough to recall these funds. It is a large amount of money for me, {$60000.00} that I need to give my cousin. It is Wells Fargo 's responsibility to rescue the funds and put them back into my account as soon as possible but it does not seem like it is of importance to them.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (OH)

On Monday, XX/XX/XXXX I contacted Experian about a problem I was having with their report to XXXX XXXX. At XXXX XXXX, I applied for a credit card at XXXX XXXX to save money on a new computer I was buying. XXXX XXXX contacted their bank which said I was denied. This astounded me. I own a home and two cars. I make over {$80000.00} a year, and have had this job for 19 years. I have no outstanding debt - no loans or liens. I pay off my credit cards when they are due - never carry a balance. I have a credit score from Experian around XXXX. I have over {$100000.00} in my bank, with over {$700000.00} in IRA/401K. So, their bank sent me a letter which said to call them that there was an alert from Experian. I called them and they only re-ran the application for the credit card and could not give me a reason why they could not approve the card- they could only say that it was not approved again and I would get a letter in the mail explaining. I got the same letter in the mail which I received before! So, I contacted Experian online. Online, they said to call them that this had to be handled by someone. I called, but could get no one - just the electronic prompts. None of the prompts applied to me- they were mostly about disputes, which I don't have. I needed to know what was on my report that was not allowing me to get a simple credit card. I kept asking for an operator, which the automatic voice recognized but would not give me someone to talk to- they only kept repeating the options which did not apply to me. I tried a second number I found online to Experian and it did the same thing - the prompts did not apply to my situation and they would not give me someone to talk to. I failed to get someone to talk to about my situation both times- the electronic voice would not allow it. So, I wrote a letter to Experian explaining the situation ( and my outrage ) today, XX/XX/2022, sending it to Experian National Consumer Assistance Center in XXXX, TX. I do not expect much help, but at least a human being will look at my situation.
Consumer complaint received 2024-09-25
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. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-25
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. (GA)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN 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 6a credit account opened at : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Charge Card I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and 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,
Consumer complaint received 2024-09-25
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. (GA)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN 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 XXXX credit account opened at : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Charge Card I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and 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,
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
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. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.