davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

The letters are stated with items and issues. 

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 2023-09-01
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. (PA)

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  2. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NJ)

I received notices from XXXX XXXX XXXX XXXXXXXX XXXX XXXX attempting to collect a debt that i have no knowledge about. I requested copies of my consumer credit report to validate their claim and discovered a Navy Federal Credit Union Account being reported with a balance of more than {$1000.00} I have contacted Navy Federal Credit Union which is the original creditor about the fraud that is being reported as a result of identity theft, i attempted numerous of times to write XXXX XXXXXXXX XXXX XXXX XXXX XXXX  about this matter however i got no results.
Consumer complaint received 2024-08-12
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)

Dispute of Incorrect Address on My Credit Report Dear Sir/Madam, I am writing to request the immediate removal of an incorrect address that is still appearing on my credit report. Specifically, this concerns the outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is no longer valid and should not be reflected in my report. My correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct an investigation of any information disputed as inaccurate or incomplete. The presence of this incorrect address is inaccurate and negatively affects me. 

Furthermore, under FCRA, 15 U.S.C. 1681c ( a ) ( 5 ), credit bureaus are obligated to remove any obsolete or incorrect information from credit reports. Failure to do so may be considered a violation of the FCRA. 

I urge you to rectify this error immediately. If the requested correction is not made within a reasonable timeframe of 30 days, I will consider taking legal action to protect my rights under the FCRA. Additionally, violations of the FCRA can result in legal penalties, including punitive damages.
Consumer complaint received 2023-09-29
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. (AL)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with XXXX XXXX they told me they would investigate i never heard anything back so i followed up by calling them XX/XX/2015 and the fraud department told me the last rep didn't open an dispute. The company XXXXXXXX XXXX XXXXXXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from XXXX  and XXXX and equifax i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Due to my lack of awareness with my credit, i had been previously opted in for pre qualifying offers via numerous companies, unbeknownst to me, at the time I had been trying to seek a new residence. I have a total of over 29 inquiries on my reports .... This is due to my incompetency about the pre qualifying offers. Due to these, I have been rendered homeless, unable to rent due to my credit score and the alarming rates at which they appear on my reports. 

When researching he said inquiries as well, even after I had opted out of all of those offers, I went to purchase a car, due to the previously alarming set of inquiries stated, I then was denied by numerous lenders for a vehicle. 

Also too I had written to transunion less than a year ago asking them to please kindly remove all of my info from their systems due to the fact that it states in their terms of service that they reserve the right to sell your identity, Lets also not foget XXXX XXXX. 
They are refusing to remove my sister and my mothers information from my report with them as well. I have asked them what I am to do because they want their drivers license numbers and their social security numbers to prove im me. How is this possible when those two people arent even suppose to be on the report! none the less the info is outside out level of expertise. AND THEY ARENT ME they need to be removed. Pronto please this is so important.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Social Finance, Inc. (MI)

I opened a line of credit with SoFi. I used it a couple times and they froze the account. I confirmed the purchases were made by me ( the account holder ) and is been frozen for XXXX weeks. I've the out to them at least XXXX times with no response.
Consumer complaint received 2023-09-01
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. (CA)

n 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 XXXX XXXX, Account number : XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XX/XX/. 
Account name : # XXXX XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XXXX XXXX  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 2023-09-01
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. (TX)

Submitted dispute letter to XXXX, XXXX, and TransUnion using CFPB requesting bankruptcy be removed from credit report as credit bureau did not receive written consent from myself of the originator, US Bankruptcy Court, XXXX XXXX, XXXX, LA. XXXX stated the bankruptcy was verified by XXXX, who is not the originator of the information. XXXX is not the originator of the bankruptcy, it is the storage repository. Multiple attempts have been made requesting XXXX to remove the information. 

IAW the Privacy Act of 1974, XXXX XXXX must have written permission to provide any information concerning an individual to any third party. XXXX wrongfully reported the information without any consent or verification from myself or the Court of Record.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (MN)

Bank PEDFED closed the account of my deceased father to which I'm stated as the Beneficiary. I've talked to 3 different agents, 1 in person, and 2 over the phone. 2 of them tell me that the account was closed by my stepmother and funds were withdrawn on XX/XX/XXXX. In XXXX of XXXX, I went to a branch to let them know that my father had passed, and he had me named as a beneficiary on the account but was told that I was NOT named on the account and that my stepmother had already notified them and if I wanted to know more about the account I'd have to go through probate. 

Probate was completed this year and I'd gotten access to some of my father 's property, in that property was an old bank statement that showed me as the beneficiary of the account. on XX/XX/XXXX I took that statement to the local branch ( XXXX XXXX, TX ), and talked to an agent who escalated to her boss XXXX XXXX. Both of these PENFED employees said that the money was withdrawn on XX/XX/XXXX by my stepmother. XXXX XXXX stated that she should not have been able to withdraw the money because she was not on the account. I've asked how this was possible when she was not listed on the account and I was listed as the Beneficiary. I know that she shouldn't have been able to remove funds because I tried at 2 other banks XXXX XXXX, and XXXX XXXX XXXX. XXXX said that he would send all the information to the estates department and I should hear from them. At that time he took copies of the death certificate and my letter of Testamentary, which he said that he'd send to the estate department. 

I called PENFED 's customer service line on XX/XX/XXXX because I hadn't heard from anyone. I was again told that I needed to send them a copy of the letter of testament because I was not on the account. I had to point out that yes, I was named beneficiary on the account. The agent was able to figure that out and we reviewed the account. He too told me that the funds were withdrawn on XX/XX/XXXX but he wanted to do some research into how they were withdrawn and asked me to call back in a day or 2. 

I called back on XX/XX/XXXX and was again told that I needed to send in a letter of testament bt an agent named XXXX XXXX and she wouldn't be able to talk to me until the next day. I hung up and then realized that I was a named beneficiary so I called back and told my story to a new agent who transferred me to a supervisor who then told me that all the funds in this account were used to pay my father 's outstanding debts.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TN)

After reviewing my credit report, I am upset to see the information that I have disputed are still can be seen in there. I can say that I am being ignored by your agency for not removing items as per my request, I do not grant you an authority to report versus me.
Consumer complaint received 2023-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Subject : Notice of Dispute and Pre-Arbitration Demand To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account numbers XXXX and XXXX, which Portfolio Recovery Associates claims I owe, purportedly acquired from XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. This dispute is grounded in the fact that by acquiring this debt, Portfolio Recovery Associates is now subject to the arbitration agreement delineated in the XXXX XXXX credit card agreement, which governs this matter. 

As stipulated in the arbitration agreement, any disputes arising from this debt are to be resolved through arbitration. I am fully cognizant that the initiation of arbitration can result in substantial costs, and I am prepared to invoke this option should an amicable resolution not be achieved promptly. 

I am aware that Portfolio Recovery Associates purchased this debt at a significantly reduced value. Given this context, I propose an opportunity for you to resolve this matter without resorting to arbitration. To facilitate an amicable resolution and circumvent the considerable arbitration costs that would be incurred, I present the following terms for your consideration : XXXX. Payment of {$5000.00} : In recognition of the emotional distress, anxiety, and financial hardship engendered by this situation, I request a payment of {$5000.00}. This sum is intended to compensate for the adversity I have endured due to this alleged debt.

2. Removal of Tradeline : Following the receipt of the aforementioned payment, I insist that Portfolio Recovery Associates expeditiously expunge and eliminate all detrimental trade lines associated with these account numbers from each credit reporting agency where they have been reported. This measure is imperative for reinstating my creditworthiness and mitigating further harm.

I believe these terms are just and equitable, taking into account the circumstances. I am amenable to discussing a potential resolution within these parameters. Nonetheless, please be apprised that if a mutual agreement is not reached within 14 days from the date of this letter, I will proceed with the initiation of arbitration, as prescribed by the terms of the XXXX XXXX credit card agreement. 

I anticipate your adherence to the urgency and gravity of this matter. I await your written response within the stipulated time frame of 14 days from the date of this letter. To discuss this matter further, you can contact me via email at XXXX. 

Thank you for your expeditious attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (AZ)

I have called since XX/XX/XXXX on this matter, and I have tried to get in contact with XXXX and XXXX since then and have had no luck getting with the correct person to finish my claim. I have been told multiple times that this dispute has been processed and the money was supposed to be taken off of my current balance since I had to pay for it last month. This was promised to be taken care of and the money was supposed to be credited before the XXXX. I have gotten nothing but a run around and everyone just pushes the responsibility to someone else. Every time I call in the next rep says there are no notes and no call back requests. I have called at least 15-16 times now to get this settled and I am always told that the person I need to talk to is not working or that they will call me back. I am now going to be facing penalties on my credit since this balance has not been removed yet. This is causing me so much more trouble than necessary and I am very disappointed in US Bank.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.