davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (IL)

Someone has created an Experian account using my information.

When attempting to register for an account, I receive a prompt titled " Keep your account secure '', which then attempts to text a code or email a code to a phone number and email address I do not have access to and have never had access to.

I have called multiple times asking about this issue navigating various automated responses, been put on hold through multiple transfers, and been promised the issue was " being looked at '' more than 30 days ago.

Someone is likely committing fraudulent activity, or at the very least has full access to my financial information within Experian 's credit platform, and Experian has been no help.
Consumer complaint received 2024-08-02
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. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX LAST NAME : XXXX XXXX NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-08-02
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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.
Consumer complaint received 2024-10-29
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. (MO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-10-29
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. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (AL)

Navy federal told me I had to get a notoritized court affidavit I did and I was the only heir was suppose to receive the money out of her checking account. Her other two sons  did not want anything to do with her. They refused to come see her in her final days of her life. This is why she had her will changed and left me in charge and her will executor. The survivors department at navy federal has fought me on this. After they received the the affidavit. They still refused to let me have my mother 's money. One son  refused to even come to her funeral. I was only to get {$250.00}. 

I don't have my brothers phone number or address. But I was forced by navy federal survivor department to only take {$250.00}. 

My brothers refused to have anything to do with their own mother. I don't see why I have to split any of the money. 

It's my money anyways. That I deposited in her checking account before she XXXX. XXXX put the refund in my mothers checking account.
Consumer complaint received 2024-08-02
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. (NC)

I am writing to formally request the immediate removal of an erroneous account reported by Fair Collections & Outsourcing , Inc. ( FCO ) on my credit report. Despite my repeated attempts to resolve this matter, XXXX has provided a response indicating that they have no involvement with the account in question, which was allegedly placed by XXXX XXXX XXXX. 

The details are as follows : Creditor : XXXX XXXX XXXX Debt Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : [ XXXX ] Date of Dispute : [ XX/XX/year> ] In my complaint to the Consumer Financial Protection Bureau ( CFPB ), I highlighted that XXXX unlawfully obtained and utilized my personal and non-public information without permissible purpose or my explicit consent. Additionally, XXXX has failed to provide a debt validation letter and has continued to report negative information to XXXX and Transunion. 

FCOs response to the CFPB stated : " The account was placed with our office by creditor XXXX XXXX XXXX. Creditor retains ownership of the account. Our office denies the alleged violations set forth in the consumers complaint. Our office will not call the consumer or write the consumer. '' Given that XXXX asserts they have nothing to do with the account, their continued reporting of this erroneous account on my credit report is unjustified and in violation of the Fair Credit Reporting Act ( FCRA ). This erroneous information has caused significant harm to my credit score, resulting in financial losses exceeding {$10000.00} due to retraction of credit by creditors and repeated denials of credit opportunities.
Consumer complaint received 2024-10-29
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. (CA)

Despite my repeated attempts to resolve the issue of fraudulent inquiries on my consumer report, I have not achieved a satisfactory outcome. These inquiries are not related to me, and I am not responsible for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not addressed appropriately. The inaccuracies on my consumer report have severely impacted my ability to purchase my dream home and support my family. For your reference, I have attached a copy of my previous letter to the Federal Trade Commission ( FTC ), which outlines this issue and requests a resolution.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-29
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. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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 : collection/charge off XXXX XXXX XXXX XXXXXX/XX/XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX
Consumer complaint received 2023-11-10
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-10-29
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. (GA)

I am writing to dispute a charge off/collection account on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681 where you are bound to report accurate information. The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been cancelled and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off/collection/derogatory on my credit report is inaccurate and should be removed immediately. I request that XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted
Consumer complaint received 2024-10-29
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. (IL)

I am a victim of identity theft and I would like all accounts removed from my credit report 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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. (UT)

I made a purchase through XXXX XXXX for XXXX XXXX reservations. I cancelled reservations w/ the hotel XX/XX/XXXX for travel dates XX/XX/XXXX. The hotel had a XXXX hr cancellation rule. I had XXXX reservations XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX that relates to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The hotel employee XXXX said I was getting refunded and needed to wait " XXXX business days '' .Then I called back after that time period and XXXX said they XXXX not refund the credit card because it would not accept pesos & the hotel XXXX, XXXX, wanted my private banking info.I called to resolve this on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX multiple times with the merchant and XXXX I cancelled according to my consumer obligations.XXXX  should not offer their service to merchants who cant fulfill their financial obligations & abide by their own rules and called my bank and the were willing to help me do a wire transfer with the hotel on XX/XX/XXXX because I felt pressure to do business outside of XXXX and directly with the hotel to get refunded. I called XXXX on XX/XX/XXXX to give him my bank info, he said they " already sent it to the states and that it went to XXXX bank, who would then pay the XXXX XXXX  ''. This should have been the same bank the original payment method was associated XXXX XXXX XXXX XXXX XXXX as they are in partnership with XXXX  But it did not. There were XXXX wire transfers to XXXX separate banks NOT associated with XXXX, the wire transfer went to XXXX XXXX  XXXX. I have NOT got my money back. XXXX confirms there is NO refund by the merchant. As the original method of purchase was with a XXXX credit card in my name, ending in XXXX XXXX and XXXX XXXXXXXX I am declaring fraud on the part of the XXXX that XXXX has affiliated themselves with. I have consumer protections wXXXX  the use of a credit card a VISA XXXX XXXXXXXX and VISA XXXX  XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered. I have in good faith tried to resolve the issue with the merchant and the lender. I have consumer protection rights and have fulfilled my obligation as a consumer. I also tried to call XXXX XXXX  in XXXX, XXXX  but they say they only provide the funds and can not help. XXXX says that if I do not pay the remaining {$900.00} in the load that my credit will be negatively affected. I am worried I will never get my money back, will have to pay for a service I never received, and will also have my credit negatively affected.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.