davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (NV)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MO)

I have attempted to access my online statements for months but have not been able to. I have called the lender, Ally Bank, multiple times and they refuse to send them to me. I don't know what is going on with the account besides their snapshot view which shows very little. They keep creating " reallocations '' for {$0.00} on my account, but I don't know why or what they are doing in the background and no one will explain it. I am extremely frustrated with this company. 
I want all documents including statements, payment history, reallocation history, notices, contracts, and title information sent to me. I will accept it via email at XXXX or via paper, but I want it as soon as possible so I can figure out what is going on. 
They also informed me they are not required to allow me access to my statements online or via paper, regardless of what I select, which is not true at all. I have changed to paper statements now, but I am not certain I will get them. I am on the phone again waiting for a supervisor after being hung up on twice and disconnected from chat once after the person on chat gave me information on another person 's account, including their SSN.
Consumer complaint received 2024-10-20
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. (CA)

XXXX XXXX Consumer Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within XXXX business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : First Premier Bank Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX  XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX Bank Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-29
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. (NY)

To whom this May concern Ive had multiple disputes about accounts reporting on my credit report. These accounts have been disputed with transunion, XXXX and XXXX. I have filed a FTC report and have tried multiple attempts to remove these. I have paid all accounts I ever had as agreed and always paid my bills on time. Someone had access to my name & information while I was XXXX  and putting things in my name. I paid all my bills off and had all my business affairs handled before hand. 

XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX Now that Im no longer XXXX  I am monitoring my credit closely and trying to restore my life again. These inaccurate reportings are prohibiting me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX 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 credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally dispute the inaccurate reporting on my credit report by XXXX, TransUnion, and XXXX concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my XXXX XXXX and has created unnecessary obstacles for me during this challenging time. 

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial XXXX It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt. 

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that XXXX, TransUnion, and XXXX correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations. 

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports. 

Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to address a serious issue regarding Bank Of America closure of my merchant checking account on XX/XX/year>. At the time of closure, a balance of {$36000.00} was withheld, with the assurance that the funds would be released no later than XXXX months after the closure date. 

Since the account closure, I have contacted BOFA XXXX XXXX on XXXX separate occasions, each time on a recorded line. However, despite my efforts, the customer support team has only taken notes and has refused to provide any form of case number or reference for the issue. Additionally, I have been informed that the security department, which is responsible for the release of these funds, is unreachable, making it impossible to escalate my case or contact them directly. They have setup everything " in house '' so there is no over site even when they are acting illegally. 

It has now been over XXXX month since my initial call, and I have not received a single follow-up or response regarding the status of my withheld funds. Bank of America is intentionally and illegally withholding my money. 

I would like immediate action on this matter and the release of my funds as promised.
Consumer complaint received 2024-10-21
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. (MI)

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 


XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX 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: Problem with a 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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-28
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)

XXXX XXXX XXXX XXXXXXXX XXXX Account Dispute Letter : ** XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX to Complaint XXXX Submission of New Evidence for Affirm Account Dispute** Dear Experian, XXXX  XXXX I am writing in response to XXXX XXXX XXXX to provide new evidence concerning the fraudulent XXXX XXXX  account ( Account Number : XXXX ), which has been falsely attributed to me. 

I have obtained an official XXXX Police Department Identity Theft Report** ( Report Number : XXXX ), filed by XXXX XXXX XXXX** ( Badge Number XXXX XXXX ). Under the **Fair Credit Reporting Act ( FCRA ) Section 605B**, when presented with an identity theft report, you are legally required to block the reporting of any fraudulent information. 

As this XXXX account was fraudulently opened, I am formally requesting that you **immediately block** and remove this account from my credit report. Your continued reporting of this inaccurate information is a violation of federal law, and I expect prompt resolution. 

Please provide written confirmation that this account has been removed and will no longer appear on my credit file. 

Thank you for your immediate attention to this matter. I look forward to your swift response and compliance. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX -- -
Consumer complaint received 2024-09-28
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)

XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX **RE : Response to Complaint XXXX Submission of New Evidence for XXXX  Account Dispute** Dear Experian, XXXX  I am writing in response to complaint number XXXX to provide new evidence concerning the fraudulent XXXX XXXX XXXX account ( Account Number : XXXX ) that has been falsely attributed to me. 

I have obtained an official XXXX Police Department Identity Theft Report** ( Report Number : [ XXXX ] ). officer : XXXX XXXX Badge number ( XXXX ) Under the **Fair Credit Reporting Act ( FCRA ) Section 605B**, you are legally required to block the reporting of any information that is identified as fraudulent when presented with an identity theft report. 

As this XXXX account was opened fraudulently, I am formally requesting that you **immediately block** and remove this account from my credit report. Your continued reporting of this inaccurate information is a violation of federal law, and I expect you to resolve this issue promptly. 

Please provide written confirmation that this account has been removed and will no longer appear on my credit file. 

Thank you for your immediate attention to this matter. I look forward to your swift response and compliance. 

Sincerely, XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
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. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Re : Account Number XXXX To whom it may concern, I am writing in regard to the ( account number ) on my credit report that has been reported as charged off. I dispute this information as I believe that it is not in compliance with Metro 2 credit reporting guidelines.

According to Metro 2 compliance guidelines, a charged-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charged off before it reached the 180-day delinquency period.

Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported to credit reporting agencies. The DFD is the date when the account first became delinquent, and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported. 

I request that you investigate this matter and provide me with documentation showing that my account was reported in compliance with Metro 2 guidelines. If you can not provide this documentation, I request that you remove the charged-off status from my account and update my credit report accordingly.

Please note that failure to comply with Metro 2 guidelines could result in legal action, including a complaint to the Consumer Financial Protection Bureau.

AND IT ILLEGAL TO PUT THIS INFO ON MY CREDIT REPORT MY METRO REPORT BY THE XXXXXXXX XXXX XXXX ILLEGAL MEAN NOT AUTHORIZE BY LAW, UNLAWFUL, CONTRARY TO LAW The resolution of this matter now rests with your bureau. I urge you to take appropriate and immediate action. 
Thank you for your attention to this matter. 

Best Regards, XXXX XXXX