davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balanced {$110.00} XXXX XXXX XXXX Balanced {$3300.00} XXXX XXXX XXXXXXXX XXXX Balanced {$350.00XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX {$0.00}-
Consumer complaint received 2024-06-05
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 submitting a complaint against Experian for reporting fraudulent accounts on my personal credit report after being informed multiple times the accounts are result of fraud. I have provided them with a XXXX Police Department police report, as well as an FTC identity theft affidavit pursuant to the FCRA. 

After each dispute I have completed with Experian, they proceed to send me a letter that states, " the disputed items can not not be blocked due to not providing all pages of an identity theft report '' ( see this letter attached. ) I have provided ALL pages of my police report and identity theft report every dispute however they continue to send me this letter. It is very clear to me that Experian is trying to use stall tactics to complicate the resolution process ; which is very disturbing because I am sure they are aware of the crucial role they play in consumers qualifying for credit, loans and even employment, such as in my case. 

Experian continues to willfully and knowingly violate my consumer rights and have caused me a great deal of undue emotional and financial distress. I was denied an XXXX loan to repair flood damage that occurred in my home due to a storm in my area, I also as denied a promotion with my employer recently due to these errors which infuriates me. I have disputed these fraudulent items since XXXX, XXXX via mail and online. Each dispute resulted with me receiving a letter stating the above mentioned statement from Experian. 

I am stressed and exhausted to the max dealing with Experian. I have submitted an Attorney General complaint in each state Experian has an headquarters, California and Illinois today, as well as this CFPB complaint. I have also escalated my concerns to the the XXXX XXXX XXXX and his executive team by email. Taking this steps will be my last and final attempt to amicable resolve this matter. If it is not resolved promptly I will pursue legal action against Experian for violating my consumer rights and causing me a great deal of emotional and financial distress.
Consumer complaint received 2024-06-05
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. (VA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 2024-06-05
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. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 

XXXX XXXX Child Support Account # : XXXX XXXX XXXX Child Support Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-20
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. (MD)

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 U.S.C 1681 XXXX XXXX XXXX has violated my rights. 

*15 U.S.C 1681 Section 602A states : I have the right to privacy.

*15 U.S.C 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions/consent.

*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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-05
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A. (IL)

On XX/XX/year> I requested via phone conference a Payoff Statement with escrow balance applied to the principal. I was told this would be processed in 24 hours. However, when the payment statement come through, PNC has not applied the escrow balance to the principal amount. I called again for an explanation and was advised I needed to submit the request in writing and the required information. I complied and submitted the request on XX/XX/XXXX. The statement is needed for a sale closing on XX/XX/XXXX and the funds are needed for a cash purchase of a new home. I received a confirmation from PNC that the request would be completed in ten business days. After waiting two weeks, or ten business days, PNC did not comply with the request and during a follow-up call on XX/XX/XXXX, refused to comply with the request for a loan payoff statement with net escrow. The escrow balance is {$4800.00} and the funds are needed to complete a cash purchase of a new home on XX/XX/XXXX and I explained I can not wait for their drawn-out process that delays a check being sent through the US Postal Service XXXX They were indifferent to my request for application of my funds in their possession to the payoff of the loan balance and now I am at risk for not having the funds or a proper loan available for the pending closing on the new home purchase which would put me in default for the new home purchase and leave my family homeless. Their deceitful practices have put my family in jeopardy and left me to scramble to find a loan in less than 14 days which will cost me to incur interest that we can not afford, nor should we have to pay if they had complied with their own process. What they are doing is criminal.
Consumer complaint received 2024-08-16
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)

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 2024-06-05
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)

I am writing to express my profound frustration and disappointment regarding the unresolved fraudulent items on my account. In regards these efforts and numerous follow-up communications, the fraudulent items remain on my account, causing significant financial and emotional distress. The persistence of these fraudulent items is unacceptable and undermines my confidence in your institution 's ability to protect my financial interests. It is imperative that this issue be escalated within your organization to ensure an expedited and thorough resolution. I would like to seek assistance from regulatory authorities to ensure compliance and protection of my consumer rights. A timeline for when I can expect the fraudulent items to be fully removed. I trust that you will treat this matter with the urgency and seriousness it deserves. The following items should be remove as soon as possible : 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 2024-08-16
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-05
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. (PA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-16
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. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-16
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. (PA)

On XX/XX/year> XXXX and Transunion received my identify theft report. XXXX received it on XX/XX/year>. I called each of the Bureaus on XXXX/XXXX/XXXX  to check the status of my identity theft report. Some of the bureaus have removed some of the fraudulent information. Some had done nothing. The representatives advised me they had 30 days to investigate. I read the FCRA 605B ( 15 U.S.C. 1681c-2 ) which i also sent to them. Per the 605B they have 4 business days to remove said fraudulent information. I made sure to wait over 4 business days as a courtesy. I would appreciate any assistance you could offer in getting this resolved with all 3 bureaus as this is effecting my financial future greatly. I have done everything I am required to do by law.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XXXX I deposited a beneficiary check for my cousin on behave of her fianc whom is incarcerated at this time, this check was from insurance because his mom recently passed in XX/XX/year>. I brought her to open account for him since she has power attorney documents stated she could do so. Bank said deposit was to high as check he had to come in. So I deposited I to my account because I called and verified it was a good check. Bank froze my account o XX/XX/XXXX I got an email said there was fraud on my account and it will be frozen until addressed. I immediately called because my ssi just posted and bills coming out I had no Idea who or what was happening. I was told what to provide to verify check. Waited 24hrs, then I got a letter saying accounts are closed. After going to bank and calling everyday since XXXX I have gotten complete run around different information for every person. And know I feel they want me to commit fraud, to verify. They want me to go turn a phone on in his name so they can call him to verify. He is incarcerated you can't call him he can only call you or email. I sent all documents requested and know my accounts are being hit as of fraud after provided all information.
Consumer complaint received 2024-06-05
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. (NV)

I am writing to formally request the removal of incorrect information from my credit reports with the three major credit bureaus : Experian, XXXX, and XXXX. Despite numerous disputes regarding this matter, the inaccuracies remain unresolved. 

Specifically, the issue pertains to my XXXX XXXX account ending in XXXX. I have recently received a letter from XXXX XXXX dated XX/XX/XXXX, which acknowledges the errors in the reported information. The letter explicitly states that the Account Status, Account Description, Date of Last Activity, Date of Last Payment, and Term Length were inaccurately reported, and it requests that the Consumer Reporting Agencies ( CRAs ) remove the incorrect information immediately. 

The details that need to be corrected are as follows : Account Status : Correctly Settled Account Description : Not Reported Date of Last Activity : Not Reported Date of Last Payment : XX/XX/XXXX Term Length : Not Reported Given this clear directive from Capital XXXX, I am requesting that the CFPB intervene to ensure the CRAs comply with this correction without further delay. The continued presence of this incorrect information on my credit reports is causing significant harm to my financial standing and personal well-being. 

If this matter is not resolved promptly, I will have no choice but to pursue further action to enforce compliance with the Fair Credit Reporting Act ( FCRA ). Such action may include seeking damages for the continued violation of my rights under the FCRA. 

Enclosed, please find a copy of the letter from XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue.
Consumer complaint received 2024-06-05
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. (NC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-05
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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