davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I just recently filed a complaint through CFPB due to   XXXX   XXXX   showing an inaccurate delinquent account on my credit report since   XXXX  . My most recent complaint from  XXXX  was me asking   XXXX   XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my  credit s  core to p lummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
Consumer complaint received 2017-05-18
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: Experian Information Solutions Inc. (VA)

XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   VA   XXXX   SS #   XXXX   dob  XX/XX/XXXX  Experian will not remove the unauthorized inquires from my credit report. I sent a certified letter see mail receipt dated   XXXX   XXXX   XXXX  .
for them to investigate and remove the unauthorized inquires.
they have refused to delete the unauthorized inquires!!!!!
Delete the unauthorized inquires see below and see attached letters.
  XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX   Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed   XXXX   Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX    Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    Date Filed   XXXX   Type Tenant Screeners ( Reseller ) Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX    Type Auto Financing Companies Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Finance Companies - non specific Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION 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 BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Subject : Request for Investigation of Inaccurate Information on Credit Reports I am writing to formally request an investigation into inaccurate information that has been reported by the credit bureaus on my credit report. Despite my efforts to resolve the errors directly with the credit reporting agencies, the incorrect information remains, impacting my credit standing unfairly.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (TX)

The information is inaccurate and I have received no notification authorizing the transfer of any account. According to 15 U.S.C 1681 any and all information on my credit report must be accurate and this is not. Please provide a full and legible wet signature not an e-signature and original contract.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX I put in a grocery order with XXXX for the amount of {$420.00}. The order did not get delivered to my house on the XXXX and was instead changed by someone else to a pick-up order the next day ( XX/XX/XXXX ) between XXXX. On XX/XX/XXXX I received a text notification stating that my order was picked up at XXXX by someone else despite not authorizing anyone else to pick up my order, as well as it being picked up an hour before it was scheduled to be picked up. After contacting XXXX customer service , they refused to issue me a refund. Instead, they said to open up a dispute with my bank. I opened up a dispute with PNC Bank regarding the charges, and on XX/XX/XXXX they sent me a letter stating that they saw no error in the transaction and therefore would not be reimbursing my stolen money.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally address the reporting of a " charge-off '' related to the account associated with my name and credit history. It has come to my attention that XXXX XXXX XXXX has improperly reported this account as a charge-off and potentially transferred it to a third-party debt collector. 

According to the Internal Revenue Code and applicable legal standards, a " charge-off '' sent to a third-party debt collector is effectively a certificate of indebtedness. Under these regulations, certificates of indebtedness are considered income, and they should be accompanied by IRS Form 1099-C , which reports cancellation of debt to the IRS. 

Since a charge-off is treated as a certificate of indebtedness, it is also considered income under federal tax laws. Therefore, this charge-off entry on my credit report is incorrect and must be removed immediately. By continuing to report this transaction history without properly issuing a 1099-C or acknowledging its income status, XXXX XXXX XXXX XXXX XXXX violating federal tax laws and consumer protection regulations. 

Additionally, it is illegal to report transaction history that misrepresents the nature of the debt, especially after it has been written off or transferred to a third party. This improper reporting can have a damaging effect on my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-09
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. (FL)

From : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Hello , I am writing this complaint because TRANSUNION, LLC, or " TRANSUNION '' continues to furnish and disclose fraudulent inquiries onto the Consumer Report of XXXX XXXX XXXX , Consumer. Transunion has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer. 
Please see, " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX TransUnion XXXX ( XXXX ) '' TRANSUNION and the following creditors have severely suppressed the financial reputation of XXXX XXXX XXXX, Consumer, as these fraudulent inquiries are prohibiting said Consumer from extending credit due to the following three inquires being furnished : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX The CFPB Complaint dates and correspondences are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CFPB Case Number ( XXXX ) : XXXX XXXX Submitted to Transunion on XX/XX/XXXX Transunion responded on : XX/XX/XXXX CFPB Case Number XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX CFPB Case Number ( XXXX ) : XXXX Transunion : XXXX Submitted : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX FL XXXX CFPB Case Number ( s ) : XXXX Submitted to CFBP on XX/XX/XXXX, Sent to Regulator ( FTC ) on XX/XX/XXXX, no Response as of XX/XX/XXXX. 
Transunion : XXXX Submitted on : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX Each time Transunion took more than ( 30 ) days to conduct a reasonable reinvestigation. after receipt of Notice. Please see : " XXXX XXXX TransUnion XXXX. 
( XXXX ), " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '', and " XXXX XXXX XXXX ( XXXX ) ''
Consumer complaint received 2024-10-09
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. (PA)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

XXXX XXXX has a massive reputation by now that they hold your funds XXXX if you try to transfer out to another bank. The wallet app on XXXX will tell you the transfer is pending and that it will take 1-3 days. The truth is, however, they are putting a hold on the transfer pending verification. There are no indications of this nor any email or notifications to resolve the hold. As a customer, I only found out that more than 5 days have passed and my money still hasn't arrived. I contact XXXX XXXX customer support and they asked me to call a number. The customer support on that number then asks me to verify some things. I did. Then they tell me my transfer is now in " review '' status. They can't tell me what that entails or what will happen at this point. They can't tell me whether my money will proceed or when I can expect it to show up. The problem for me now is that it's the XXXX, and all my autopay for my credit cards are hitting my Ally Checking account. I do not have sufficient funds. All my credit card payments will bounce for having no balance, and I will have late fees and ruined credit history. XXXX XXXX with Goldman Sachs is a scam and they should be held liable.
Consumer complaint received 2024-08-22
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. (VA)

Fraudulent Accounts : US Dept of Education XXXX XXXX XXXX XXXX {$7600.00} ) US Dept of Education XXXX XXXX XXXX XXXX XXXX ) I have two student loans on my Transunion, XXXX and XXXX consumer report and these accounts are due to fraud. The accounts were open in XXXX which is proof of fraud due to me being XXXX during the year of XXXX. I was XXXX  and sentenced in XXXX of XXXX, served with five years in the XXXX XXXX XXXX XXXX. I have documentation from the XXXX XXXXXXXX Circuit Court Clerk 's Office to support what I am reporting. I have never asked the creditor for a loan I have never signed any loan agreement I deny any ownership of the student loan accounts. It is physically impossible for the accounts to belong to me for as I was away in prison during the year of XXXX to be exact, I was away from XX/XX/XXXX to XX/XX/XXXX is when I was released. 

Please provide ANY documentation that proves these are my accounts as I attached Sentencing documents from the court. Along with a FTC report to have these removed ASAP.
Consumer complaint received 2024-10-09
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. (FL)

From : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Hello , I am writing this complaint because TRANSUNION, LLC, or " TRANSUNION '' continues to furnish and disclose fraudulent inquiries onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. Transunion has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer. 
Please see, " XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXXXXXX XXXX ( XXXX ), XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX ( XXXX ) '' TRANSUNION and the following creditors have severely suppressed the financial reputation of XXXX XXXX XXXX, Consumer, as these fraudulent inquiries are prohibiting said Consumer from extending credit due to the following three inquires being furnished : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX The CFPB Complaint dates and correspondences are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CFPB Case Number ( XXXX ) : XXXX XXXX Submitted to Transunion on XX/XX/XXXX Transunion responded on : XX/XX/XXXX CFPB Case Number XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX CFPB Case Number ( XXXX ) : XXXX Transunion : XXXX Submitted : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX CFPB Case Number ( s ) : XXXX Submitted to CFBP on XX/XX/XXXX, Sent to Regulator ( FTC ) on XX/XX/XXXX, no Response as of XX/XX/XXXX. 
Transunion : XXXX Submitted on : XX/XX/XXXX In Progress as of : XX/XX/XXXX Transunion Responded : XX/XX/XXXX Each time Transunion took more than ( 30 ) days to conduct a reasonable reinvestigation. after receipt of Notice. Please see : " XXXX XXXX TransUnion XXXX. 
XXXX XXXX XXXX XXXX XXXX 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 2024-10-09
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-09
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. (TN)

I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently conducted a review of my credit report and found several items that have caused m

e significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurat
e or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful.

I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. Moreover, under the Fair Credit Billing Act, m y right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights. This account is not mine I never signed for anything and I also have a FTC report attached. If you guys cant provide my handwritten signature with a third party or from the company with a proof of residence and my ID I demand this be removed because my rights are being violated.