davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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. (CO)

Applied bank has an open account on me. XXXX XXXX. I asked for the letter the XXXX XXXX  XXXX has to sing the letter to incure new debt. No letter has been provided to me. The refused to remove the over limit and remove this from all. Three credit reporting agencies. This depth shows as opend XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
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. (VA)

request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC XXXX XXXX Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXX/XX/XXXX ACCOUNT # XXXXXX/XX/XXXX ACCOUNT # XXXX DELETE THESE ACCOUNTS IMMEDIATELY UNLESS YOU WANT TO BE HELD {$1000.00} per violation
Consumer complaint received 2024-06-02
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. (CA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 2024-06-02
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)

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Stallings Financial Group, Inc. (GA)

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

Last month I had an interview for an apartment I was applying for, I was notified that I had an unpaid auto loan on my credit report. On XX/XX/XXXX an account with XXXX XXXX  was opened in my name. I have never even had an account with this bank ever. Whoever opened the account took out an auto loan of {$31000.00}. The balance was updated by whoever on XX/XX/XXXX with a payment of {$880.00}. I found out all this information on my credit report through Experian.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

Made a purchase on XX/XX/2024 and didnt receive any of the items. I was issued ( XXXX ) XXXX target gift cards due to this purchase which I was told I would keep regardless. The full refund was given and in XXXX I began being charged for the allegedly free gift cards and one of the alleged fully refunded items. Bringing my account past due. Being out of country for 3 months, I was not aware of said charges because the card balance should have been XXXX after the full refund. I have been harmed not only with the past due and late fees but it has also been reported to credit agencies to which my credit has been impacted.target master card limit went from close to {$4000.00} down to {$200.00}. Instead of helping me, I was blamed it has been reported on my credit and I was told that I will need to wait up to 30 days for my resolution. Which further impacts my spending power. I have since been denied credit/ increases and the like.
Consumer complaint received 2024-08-31
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. (NJ)

Problem having with TransUnion is I XXXX XXXX XXXX not authorize XXXXXX/XX/XXXXvia XXXX XX/XX/XXXXXX/XX/XXXX COMPANY to access my credit report its against the law to access the consumer report without there permission.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (GA)

I am victim of identity theft and I am requesting for XXXX to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ( IT HAS PASSED THE SEVEN YEARS MARK PLEASE REMOVE IMMEDIATELY. IT HAS BEEN OVER SEVEN YEARS ). BALANCE : XXXX XXXX. XXXX XXXXXXXX XXXX/CREDIT ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX
Consumer complaint received 2024-06-02
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: Experian Information Solutions Inc. (MI)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, Experian, and XXXX credit report Please remove immediately the following accounts : First Premier Please remove CLOSED ACCOUNT this account was unauthorized REMOVE CLOSED ACCOUNTS from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
Inquiry from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (WI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-02
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. (PA)

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 2024-06-01
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. (TX)

XXXXXXXX XXXX  This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXXXXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXXXXXX XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-06-01
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2024-06-01
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)

I am submitting this complaint against Experian regarding their handling of disputed accounts from XXXXXXXX XXXX and XXXX XXXX on my credit report. Despite my repeated efforts to resolve these inaccuracies, Experian has failed to provide adequate verification and continues to report these accounts as accurate. 

Detailed Description of the Issue : XXXX XXXX XXXX XXXX Action Taken : I submitted a dispute to Experian stating that the XXXX XXXX  account on my credit report does not belong to me and contains fraudulent charges. I requested a detailed method of verification, including specific details such as who, what, where, when, and how the information was verified. 
Experian 's Response : Experian responded by stating the account was verified as accurate without providing any detailed verification process or evidence of the original account application. 

I followed up with Experian, reiterating my request for detailed verification and evidence, but received no further substantive response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, as it was not mine, and included fraudulent activity. I asked for detailed verification and evidence proving that I opened the account. 
Experian 's Response : Experian also verified this account as accurate without providing the requested detailed method of verification or any evidence. 
I followed up with Experian again requesting the necessary information to verify the legitimacy of the account, but received no satisfactory response. 

Actions Taken : Initial Disputes : I submitted detailed disputes to Experian regarding both accounts, providing all necessary information and supporting documentation. 
Follow-Up Communications : After Experian 's inadequate responses, I followed up with additional letters requesting specific details on the verification methods used. 
No Adequate Response : Despite my efforts, Experian has not provided the required detailed verification or evidence to substantiate the accuracy of these accounts. 

Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and provide a detailed method of verification for the disputed accounts from XXXX XXXX XXXX XXXX XXXXXXXX. The continued reporting of these accounts as accurate is causing significant harm to my credit profile and financial well-being. I request that the CFPB intervene to ensure that Experian provides the required verification details or deletes these accounts from my credit report.
Consumer complaint received 2024-06-01
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. (PA)

I am a victim of identity theft, and I did not make or authorize these hard inquiries on my credit report. I did not authorize these companies to run these credit checks. I am requesting that the hard inquires be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

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. 
Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

I looked at my Experian credit report on XX/XX/2024 and notice some things are incomplete and not accurate and accounting to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the induvial about whom the report relates to according 15 U.S.C 1681c. ( e ) ( b ) 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 information is inaccurate.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
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. (NY)

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-01
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. (CA)

XXXXXXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my Experian account is showing XXXX was paid on time, XXXX was XXXX  days late, and XXXX was XXXX days late, However XXXX shows XXXX was paid on time, XXXX was XXXX  days late and XXXX was paid on time, XXXX shows XXXX was paid on time, XXXX was XXXX  days late XXXX was XXXX  days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (VA)

On XX/XX/year>, I received an email that Mohela would be switching platforms. I was informed that they would notify me once my account had fully transitioned to the new platform in order to create an account and make my payments. However, I still have not received such an email. I have received emails from Mohela telling me that my account is past due, despite being enrolled in auto payments AND the auto-payments being withdrawn from my banking account like normal. I have also received auto-withdrawal confirmation emails, while simultaneously getting emails informing me that my account is past due. I went to the website to check my payment history, but do not have access and when I click " make a payment '' the website glitches and sends me to the login screen. I'm not sure what I'm supposed to do. The email from XXXX XXXX also mentions that this transition should be complete two weeks after XXXX XXXX, but I still have not received an update. I have also tried to contact them directly, but I can not get through their phone line. The original email also states the following, " Were managing the transfer of Auto Pay information to try to ensure your payments arent interrupted. We will notify you if an interruption occurs so that you may make a manual payment via the new website after the transition is complete. '' However, I have not received any updates, except that my payments are past due. It is frustrating that I can not access any of my loan payment information, their website is useless, my payments are going through, but I am receiving notices that I am missing payments, and it is messing up my credit score. Mohela is a fraudulent and incompetent company that is screwing over thousands of Americans.
Consumer complaint received 2024-06-01
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.