davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
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: EQUIFAX, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed a dispute with Transunion and XXXX for inaccuracy on credit report. The dispute XXXX account. I told them the account was sold and was settled with another company. They refused to remove indicated the account was verified and correct. 
I have been denied rental, charged higher deposits, offered lower loan amounts for home mortgage because of this. 
I made my last attempt with Transunion on XX/XX/XXXX through chat. The representative told me it was varied before even asking for the information.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I contracted a company to help move my business move to the next level and receive funding from investors. We signed a contract to set a timeline and set payment to start the process. I paid the company {$6100.00} in total, i made the payment with my Amex. After the deadline came and the merchant wasn't showing no results or funding. I attempted to reach out but the merchant went silent. I have tried to dispute it with amex telling them I never received the services I paid for. They said they couldn't help cause the transaction posted more than 60 days ago. Since then I have filed many complaints with different agency that can help me, tXXXX XXXX XXXX XXXX  told me that XXXX XXXX XXXX XXXX is no longer an operating company. So i simply don't know what to do.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I need to stress that this complaint isn't a mistake. My credit report has an inaccuracy that isn't assured to be the maximum possible accuracy. This error are really weighing on me and is continuing to affect me negatively in ways you can not is to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-07-17
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)

I have submitted multiple disputes and FTC report regarding these unauthorized and fraudulent inquiries on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these unauthorized and fraudulent inquiries and for assistance to remove them from my credit report immediately. They are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I was utterly shocked and devastated upon discovering unauthorized inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-07-17
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. (NY)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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)

I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage with my wife.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-07-17
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 urgently address an issue concerning my credit report. Upon reviewing it, I have discovered this unauthorized account that has adversely affected my creditworthiness. I firmly believe this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I did not initiate or authorize this account. This has been fraudulently opened without my consent or knowledge. To address this, I have reported the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of this account and take appropriate actions to remove it from my credit report. This account is not the result of any legitimate transaction or credit application made by me. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (MS)

I went to cash my tax check and the teller said we can only dispurse my cashed check in XXXX. I said that's fine. Then she said I can't cash the check but I can deposit it into your account and it will be available after XXXX. I said that's fine. I deposited my check and a few hours later they placed a hold on my check for 2 weeks without disclosing any information. I had a choice and if I knew that I wouldn't have deposited the check. They could have disclosed that information to me.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

On XX/XX/XXXX when I checked my paystub I noticed a company named Weltman, Weingerg & Reis was garnishing 25 % of my check. Now, I was never notified by Weltman or my employer that I was about to get my wages garnished. The point where I realized I was being garnished this has already been going on for a few months. I was never notified about a lawsuit, a judgement or anything that gave this company the authority to garnish my wages. This has caused me concrete harm, extreme hardship as well as mental/emotional stress due to my livelihood being compromised all over an alleged debt. 

Again, I have never been notified ( i.e served a summons/complaint ) about this alleged debt. I do not know who Weltman Weingerg & Reis is. I have never done business with this company nor did I ever have an account number with Weltman Weingerg & Reis. I looked this company up on XXXX and it stated they are debt collectors but I have no clue who they are and I never had any business with them. All of this took place without me knowing and that is not right. Weltman Weingerg & Reis should have ensured I was properly notified about this alleged debt so I could properly defend myself. Instead I had to find out by actually being garnished and going to do a XXXX search on this company. 

On XX/XX/XXXX I sent Weltman Weingerg & Reis a letter by way of certified mail. Certified mail number XXXX XXXX XXXX XXXX XXXX return tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I will attach the letter here since it will take a while to come through the mail so there is no confusion and Weltman Weingerg & Reis can start preparing the documents to be sent to me via mail. 

Also, please note the CFPB has my number and email attached to this complaint but that does NOT give Weltman Weingerg & Reis permission to use my phone number or email to contact me regarding this matter. Again, please do not try to contact me via phone because I work Mondays thru Sundays XXXX and I can not talk on the phone at work per company policy. Also, please do not contact me via email. I would like a response via mail and mail only. I am requesting ALL documentation regarding this alleged debt/alleged account sent to me as soon as possible. I should not have had to find out about this by actually being garnished when not one documentation was given to me notifying me of what was going on nor was any documentation given to me proving the authority Weltman Weingerg & Reis had to garnish any of my wages.
Consumer complaint received 2024-09-16
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: Experian Information Solutions Inc. (IL)

I have identified several unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen. I previously raised this issue, and I am now requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial management. Addressing this problem has been challenging. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are significantly affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter quickly.
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: Experian Information Solutions Inc. (KY)

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according 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 individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXXXXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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.

Check attachments below.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

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's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2023-09-28
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. (AL)

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. 


has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

As I am reviewing my credit profile, I see a lot of XXXX XXXX to my credit profile that I do not understand. First, I was born in the state of New York. I've NEVER resided in any other state besides New York.The trail of improper addresses started from XXXX, New York and worked it's way all the way to the state of North Carolina. This is a blatant sign of " IDENTITY THEFT ''!! 

The proper address that's suppose to be on my credit report is " XXXX XXXX XXXX XXXXXXXX, New York XXXX '' that address has NEVER been reported to my credit report and I am trying to figure out why? I see addresses reporting to my profile that is absolutely incorrect, I have listed them below so you guys can review them and delete them immediately because not only do I have incorrect addresses but, I also have unauthorized accounts and/or inquiries that I did not make and I know that the first step to resolving this is contacting you guys after doing my due diligence. I would greatly appreciate it if you guys can remove these addresses immediately! It is affecting me in ways that I can't even explain. For someone to do this to my credit report is absolutely absurd and for I to not have knowledge of this is very embarrassing! I will be making a seperate complaint about the unauthorized accounts as well, I wanted to make this a seperate claim. Thank you! 

Incorrect/UnAuthorized Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am XXXX  unstable, and i can not get the medical help that I need because I'm being declined due to my low credit scores. All because the company did not check whether or not they are reporting accurate information in my credit file.