davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (IL)

I have continuously disputed the following accounts which occurred due to the XXXX XXXX XXXX. XXXXXXXX XXXX  ( not mine/identity theft ), ( XXXX XXXX ( not mine/identity theft ), XXXX XXXX  ( not mine/identity theft XXXX XXXX XXXX XXXX ( not mine/identity theft ), there are numerous inquiries which I disputed repeatedly and they remain on my credit file. I supplied the FTC Identity Theft Affidavit, Police Report and verified my identity multiple time over three years. XXXX still will not properly investigate the matter and remove the inaccurate negative accounts which occurred due to the XXXX XXXX XXXX.
Consumer complaint received 2024-07-02
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 exercising my right to have this issue investigated and disputed as these accounts are incorrectly reported on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report on my credit file. I am aware that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-02
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. (NY)

I am writing to formally dispute this account that has appeared on my credit report, which I believe to be the result of fraudulent activity. It has come to my attention that this account is inaccurately listed and are severely damaging my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

I initiated a dispute of ( according to my attorney ) blatantly unlawful credit reporting to Equifax by XXXX on XX/XX/2017. Equifax assigned this dispute the number XXXX. 

As of today, XX/XX/2017, or over two months later, this dispute is still marked " pending '' in the online system Equifax uses to provide dispute results to consumers. I called about this dispute several times and was told variously that " it 's a website issue '', " be patient, this dispute is taking extra time '', " this dispute was resolved and you did receive the results '', etc. 

I have never received the results of this dispute. I have asked the customer service representatives to mail a copy of the dispute results but that has never arrived either. 

Equifax 's failures, to 1 ) delete the erroneous information in a timely fashion and 2 ) to provide notice of dispute results within the proper time frame, constitute violations of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. 

a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

I believe Experian and myFICO is not consistent in their credit scoring model. My usage has dropped over {$1200.00} since last report and no change to my fico score. But one card goes up a few dollars and they took XXXX points from my Experian credit score. My credit situation hasnt been this strange in months yet I lose XXXX points? The system is rigged and needs to be investigated.
Consumer complaint received 2024-09-24
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. (FL)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate XXXX XXXX  Account Number:XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of th information is found to be inaccurate or incomplete or can not be verified, the consumer reportin agency shall-i ) promptly delete that item of information from the file of the consumer, or modi that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promp notify the furnisher of that information that the information has been modified or deleted from th file of the consumer.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MO)

I am writing to file a complaint regarding XXXX XXXX XXXX, XXXX and XXXX for inaccurately reporting a debt on my credit file with Equifax, XXXX, and XXXX. The continued reporting of this account as open and in my name is incorrect and harmful, as the account was stolen and later sold on the dark web due to the Equifax data breach. I respectfully request the CFPBs assistance in having this inaccurate information removed from all three credit bureaus.

Account Details : Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Reported Balance : {$720.00} Reported Delinquency : XX/XX/XXXX Account Purchase Date by Portfolio Recovery : XX/XX/XXXX Issue Summary : 1. Stolen Account and Fraudulent Charges : This XXXX account was stolen and subsequently used fraudulently. I reported this theft to XXXX, and they were made aware that this was not my debt. 


2. Purchase of Debt by XXXX XXXX XXXX, XXXX : On XX/XX/XXXX, XXXX XXXX XXXX, XXXX purchased the debt despite my prior report of fraudulent activity on this account. Since then, they have continued to report the account on my credit file as if I am liable for the balance, which is inaccurate and harmful.

3. FTC Report and Data Breach : I have reported this stolen account to the Federal Trade Commission ( FTC ), given that my personal information was
compromised in the Equifax data breach, which ultimately led to my XXXX account being sold on the dark web.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NV)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-08-18
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. (IN)

illegally reportings of late payments, payment history, and everything that is provided on my report that is inaccurate and that i did not consent them to report! under 15usc1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (PA)

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on and Im still seeing unauthorized inquiries on my report. Its unfortunate that my identity has been leaked because I do own some of these accounts, but Im not the one authorizing use if my credit so its been difficult to keep up with the fraudulent activity these days I recently unfroze my credit for a new cell phone line and Im thinking thats the reason.. hoping for you to please help investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are XXXX XXXX XXXX XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (UT)

Around the beginning of XX/XX/2024, I logged into my Wells Fargo account online and noticed my personal line of credit had a balance of about {$8500.00}. I did not withdraw any money from the line of credit, so I contacted Wells Fargo to let them know about the fraud on the account. Wells Fargo opened an investigation. On XX/XX/2024, Wells Fargo sent an email stating that I or someone I authorized benefited from the transactions, so they were not going to take any corrective action. The {$8500.00} balance would remain and I would remain liable to pay it back. I obtained copies of the checks from Wells Fargo. I do not know the person the checks were written to ( XXXX XXXX ). The signature on the checks is not my signature. I filed a police report to report the theft. I also contacted the bank where the checks were deposited to inform them of the fraud. If I need to hire a handwriting expert to confirm the signature on the checks is not mine, I am prepared to do so. I am hoping Wells Fargo will reconsider and recognize the transactions as fraudulent.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

1 XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

1 XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-08-30
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. (DE)

In the results of your Previous investigations, you stated in your CFPB Response that you verified that these items are being reported correctly? That the Inquiries were factual?? Your refusal to delete UNVERIFIED information from my consumer file, and show me written consent that these Inquiries are mine XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED Inquries listed below are not deleted immediately. A copy of this letter as well as copies of the XXXX written letters sent to you previously and or previous CFPB COMPLAINTS will also become part of a formal complaint to the Federal Trade Commission. I have attached a IDENITY THEFT REPORT WITH THE FTC ATTACHED HERE TODAY, which will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite XXXX written requests and a CFPB REPORT, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).? XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Again these Inquries are not mine, I am unfamiliar with them and do not and have not conducted any business with these increase. I demand that you remove them at once.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

I recently started using Ally back spending/checking account. My account was locked after I initiated a wire transfer for XXXX days now. I was emailed to verify the transfer to which I obliged. After verifying the wire my account is still locked and the company states they are still reviewing the wire transfer
Consumer complaint received 2024-08-28
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. (DE)

Prior cfpb investigation number related to XXXX matter XXXX XXXX XXXX XXXX XXXX investigation which was first initial complaint Which was submitted XXXX. In my previous complaint I requested that the following be removed from my credit profile I also requested closed accounts to be removed from my credit report which has not been completed on your end. 

Account name : XXXX XXXX XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX These accounts are showing late payments which is actually illegal. i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explaining to you that I was never late on any payments.. EVen after a CFPB complaint you have refused to correct my credit report. 

The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time period of the first Initial complaint. Your Investigation you stated that you completed In complaint # XXXX did not fix the errors on mycredit report and it is hurting my financial health And I will be seeking professional representation the small claims court if the matter is not solved today Your willful non compliance is noted.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I recently reviewed my credit report and noticed some accounts was not reporting accurately. I had 4 late payments on one account and 1 late payment on another that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late on payments I've attached a copy of my reports to this complaint on the following dates ( XXXX XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. thank you for your understanding and prompt action.