davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (NV)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

I was traveling to XXXX with friends the week of XX/XX/2023. While there, we utilized Venmo to pay each other for various excursions, at the very most, transactions were {$100.00}. Upon arrival back to the States, on XX/XX/2023, my account was frozen due to " suspicious activity ''. After talking to numerous help agents at Venmo I was told that the issue was escalated to an account specialist. A week later, on XX/XX/2023, I was told via email that I had violated the user agreement and that my account was slated for permanent deactivation with no chance to recover my balance. This email also stated that Venmo was not allowed to disclose how they came to this decision. This is nothing more than an arbitrary decision without any factual basis and theft.
Consumer complaint received 2024-09-20
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. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-01
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)

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, XXXX, and Experian, asking them to investigate Account Name : XXXX XXXX Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, XXXX, and Experian ). These inaccuracies are highly injurious to my credit report and my XXXX XXXX. In accordance with XXXX XXXX XXXX : Compliance procedures XXXX B " 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. XXXX XXXX has closed date listed as XX/XX/XXXX, and XXXX XXXX reported that I made on time payments on XX/XX/XXXX and XX/XX/XXXX across all the consumer reporting agencies. This information is misleading and inaccurate and has affected me from getting credit from various lenders.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX XXXX regarding a collections account for XXXX XXXX. I believe there is a misreporting of the amount owed. 

The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX Amount Reported : {$1100.00} I am requesting that this item be removed entirely from my credit report or that you provide me with proof of the debt, including detailed information such as dates of purchases and amounts for each purchase. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible. I appreciate your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-09-01
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)

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX  dollars per violation and clearly they violated my rights.
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: EQUIFAX, INC. (TX)

I filed a complaint against Equifax, on XX/XX/year>, complaint number XXXX regarding a fraudulent accounts reporting on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided Equifax with a copy of a XXXX Police Report, and an FTC statement that identified which accounts were opended fraudulent in my name as a direct result of identity theft. Equifax replied back to the complaint filed with CFPB on XX/XX/year> that the accounts had been verified as accurate. At this time the accounts are still reporting on the credit file that they maintain under my social security number, and I have since then had XXXX XXXX to pull my credit report.Equifax has failed to follow the FCRA, conducting a reasonable investigation into the accounts reporting. At this time I am requesting Equifax provide me with the documentation used to verify and validate the accuracy of this accounts that they have continued to maintain on my credit profile.
Consumer complaint received 2024-09-20
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. (NJ)

The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ) .And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-08-25
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. (OH)

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, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-25
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. (NC)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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.

15 U.S. Code 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S. Code 1602p - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

On top of the US code that has been violated, I have reasonable suspicion that there is various information within the report as inaccurate and hereby demand that the negative items impacting my credit reporting is hereby removed swiftly and promptly.
Consumer complaint received 2024-09-20
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. (CA)

I was a victim of Identity theft in 2019. A XXXX XXXX Bank account was open fraudulently in my name and a loan was taken out as well. 

I have tried tirelessly to have this removed from my XXXX  and transunion credit report. I've reached out to XXXX XXXX as well to dispute this and they have not been any help.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-08-25
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. Ive noticed there are a few errors. Please find below my updated details : **Wrong Information : ** XXXX : XXXX XXXX XXXX XXXX : Nothing Listed **Right Information : ** XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Attached are copies of documents to verify XXXX  identity and the changes requested : XXXX. Government-issued ID ( e.g., driver 's license, passport ) XXXX. Proof of address ( e.g., utility bill, lease agreement ) XXXX. Any other relevant documents Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

To Whom It May Concern, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. I would like you to investigate for me to make certain that everything is accurate. 

XXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files!
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, XXXX, and Experian, asking them to investigate Account Name : XXXX XXXX XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, XXXX, and Experian ). These inaccuracies are highly injurious to my credit report and my credit score. In accordance with 15 USC 1681e : Compliance procedures subsection B " 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. '' Listed below are just a few of the inaccuracies. 

Highest Balance : Experian- {$5000.00} XXXX- {$3500.00} XXXX {$5000.00} Date of Last activity : Experian- XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXX
Consumer complaint received 2024-08-25
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. (AR)

I have been trying to research the issue first before making any false allegations. I have reached out to the IRS and they found the Identity Theft to be true. I have submitted several documents showing them the transaction made by this person at different banks for years and my XXXX XXXX has not been changed. I suspect XXXX to be my step mother XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Ar. XXXX. She may have used this after the death of my father XXXX XXXX XXXX. She has used aliases name for year on her record and she has used aliases name saying that I did it after I was forced to be separated from my Ex XXXX XXXX XXXX XXXX in which she probably made him use my information to throw off the XXXX XXXX She used to work at XXXX XXXX XXXX XXXX in XXXX, Ar. XXXXShe is a doctor who prescribed the wrong medication so that she may control our finance and any inheritance from my father such as a trust fund that I never received. She complained that she had been with my father for years and couldn't get any of the money or assets when he passed away because they were divorced before he died. She then used his sister XXXX XXXX XXXX XXXX XXXX in XXXX, Ar. My XXXX XXXX was higher while I reside at a shelter where they were fearful to use any money or social security number or benefits after filing Identity Theft and police reports.
Consumer complaint received 2024-08-25
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. (NY)

I am XXXX XXXX, and XXXX 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 XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-25
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. (NJ)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.