davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (FL)

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 2024-09-27
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. (AR)

I was notified that my social security number had been exposed in several data breaches so I checked my credit reports and notice several accounts that I did not open that I listed on this report from XXXX XXXX XXXX ( there is XXXX closed accounts from this company ) XXXX XXXX XXXX XXXX XXXX ( XXXX closed accounts from XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there is a Bankruptcy on my reports that I did not do. Please remove these items asap.
Consumer complaint received 2024-10-19
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against TransUnion for Violating FCRA Dear CFPB, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My complaint is based on their failure to report accurate information in my consumer report. 

On XX/XX/year>, I mailed my dispute to TransUnion regarding inaccurate reporting of my car loan with XXXX XXXX XXXX ( XXXX  ). As of today, XX/XX/year>, it has been over 30 days, and I have yet to receive a satisfactory resolution. This inaccurate information has been present in my consumer report for over a year. 

I have maintained communication with XXXX  about the status of this account and possess all supporting documentation to substantiate my claims. Additionally, I have a transcript of my conversation with XXXX  confirming that my account was never reported as a charge-off. 

I would like to draw your attention to the following provisions of the FCRA that support my request : - **15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) ** states that 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. 
- **15 U.S. Code 1681e** mandates that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

It is my belief that TransUnion and other credit bureaus are not maintaining reasonable procedures as required by law. 

I kindly request your assistance in ensuring that this inaccurate account is removed from my consumer report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Not accurate filing date and showing up as XXXX XXXX on XXXX and on XXXX XXXX XXXX too many errors and this is causing alot of issues for me I want this deleted off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case or ID # Disposition Date Filed Type Filer Current Disposition XXXX Bankruptcy Filed XX/XX/XXXX Personal Individual Dismissed/Closed XXXX Asset Amount Exempt Amount Current Disposition Date Date Verified Date Reported Prior Disposition XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Filed ////// Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount XXXX
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (NC)

Notice for the agent is notice for the principal applies under this notice This letter serves as my formal dispute regarding the repeated and knowingly false reporting of my XXXX XXXX account status. Despite previous attempts to resolve this issue, XXXX XXXX  XXXX continues to report my account as late and past due even after it has been charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates that furnishers of credit information report accurately.

Violation of FCRA and Intentional Misreporting Under the FCRA, furnishers are required to update and correct inaccurate information. XXXX XXXX  XXXX has knowingly failed to fulfill this obligation, engaging in misleading and damaging behavior. Reporting an account as late after it has been charged off creates ambiguity, which has materially impacted my creditworthiness and caused significant financial and emotional harm. 
The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, establishes that a furnishers failure to conduct a reasonable investigation after receiving notice of a dispute from a credit reporting agency violates the FCRA, making them liable for damages. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, highlights that ambiguous reporting tactics can result in willful noncompliance.

Prior Notifications and Inaction This is my third written dispute regarding this issue. Each time, your organization has acknowledged receipt but failed to resolve or rectify the situation in a timely manner, as required by the FCRA. Despite my documented efforts, XXXX XXXX  XXXX continues to report erroneous information, directly violating Federal Trade Commission guidelines on data furnishers. 
Demand for Compensation and Immediate Rectification Given the ongoing damage to my credit score, emotional well-being, and financial standing, I am seeking the following : Immediate correction of the account reporting to reflect its accurate status post-charge-off without indicating past due balances. 
Compensation in the amount of {$5000.00} for noncompliance, negligent misrepresentation, and emotional distress as stipulated under XXXXXXXX XXXX XXXXXXXX. 
A written apology acknowledging the failure to comply with the FCRA and your legal responsibilities. 
Failure to comply within 10 business days will leave me no choice but to escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and file a civil suit under the FCRA for damages. I expect prompt action to resolve this issue and avoid further escalation. 

Please send all responses to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-10-22
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 XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (CA)

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I didnt authorize these accounts. Ive raised this issue before, and now I urgently request the removal of these accounts. Their presence is causing me significant stress and misrepresents my actual credit history and financial management. If this isnt resolved, Im prepared to pursue legal action to protect my rights. These erroneous entries are seriously hindering my financial goals, such as buying a house and supporting my family. I hope we can resolve this swiftly.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________
Consumer complaint received 2024-10-19
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against TransUnion for Violating FCRA Dear CFPB, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My complaint is based on their failure to report accurate information in my consumer report. 

On XX/XX/year>, I mailed my dispute to TransUnion regarding inaccurate reporting of my car loan with XXXX XXXX XXXX ( XXXX  ). As of today, XX/XX/year>, it has been over 30 days, and I have yet to receive a satisfactory resolution. This inaccurate information has been present in my consumer report for over a year. 

I have maintained communication with XXXX  about the status of this account and possess all supporting documentation to substantiate my claims. Additionally, I have a transcript of my conversation with XXXX  confirming that my account was never reported as a charge-off. 

I would like to draw your attention to the following provisions of the FCRA that support my request : - **15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) ** states that 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. 
- **15 U.S. Code 1681e** mandates that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

It is my belief that TransUnion and other credit bureaus are not maintaining reasonable procedures as required by law. 

I kindly request your assistance in ensuring that this inaccurate account is removed from my consumer report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-27
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. (AR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The balance on the credit card with XXXX XXXX is incorrect. I filed a complaint with the company on numerous occasions and they have yet to update the correct information nor have they sent proof of the account correct balance.

The account was deleted in 2017 and has since reappeared on my credit report with inaccurate account high balance of {$1200.00}. Please remove asap!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The balance on the credit card with XXXX XXXX is incorrect. I filed a complaint with the company on numerous occasions and they have yet to update the correct information nor have they sent proof of the account correct balance.

The account was deleted in 2017 and has since reappeared on my credit report with inaccurate account high balance of {$1200.00}. Please remove asap!
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was a member of Bank of America with a remaining cash balance in my checking account of XXXX dollars in XXXX. During this time, I had lost my job due to covid, so I was receiving unemployment. My live in fianc that shared the same address as me was also receiving unemployment had his check deposited into our bank account. My account was flagged due to having two separate unemployment checks deposited. I as well as my fianc contacted our local unemployment building and asked, they contact Bank of America to verify no fraud had occurred. I contacted Bank of America for two years to be reimbursed from the money they stole from me while still continuing to charge me a monthly maintenance fee out of my remaining funds. To this date, there is a remaining balance of XXXX dollars that they are withholding of my funds and refusing to release. I know this due to a cash advance app that I had my bank account linked to. It sends me periodic updates informing me of my remaining balance in my Bank of America account.
Consumer complaint received 2024-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (AL)

I called a week ago to ask for a copy of the title in order to get my plates in the state I moved to. Every since then they have called me multiple times stating that my account is not current. Which in fact it is. It has gotten so bad that my employer has said something. Instead of letting me talk to the branch manager they gave me the number to speak with a call center. They did not want to help me with the resolution.
Consumer complaint received 2024-09-27
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may inc
lude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"