davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (PR)

I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

The accounts are : Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

BANK OF AMERICA WAS SUED. THEY WERE ORDERED TO REIMBURSE CUSTOMERS FOR OVERDRAFT FEES. MY HUSBAND AND I HAVE BEEN WITH BANK OF AMERICA AROUND XXXX  YEARS. WE EACH HAVE OUR OWN ACCOUNTS, WE HAVE NEVER RECEIVED A DIME FROM THE SETTLEMENT ( S ). I CONTACTED THE ATTORNEYS HANDLING THE SETTLEMENT AND EXPLAINED THAT WE WERE CUSTOMERS DURING THE RELEVANT TIME PERIOD AND WERE ABSOLUTELY SUBJECT TO THE FEES THAT B OF A HAS BEEN ORDERED TO PAY BACK BY THE COURTS FROM MORE THAN ONE LAWSUIT. THEY SAID THEY WOULD CHECK INTO IT. WELL, WHAT A SHOCKER. HAVEN'T HEARD A PEEP. MAYBE CFPB CAN TELL ME WHAT I SHOULD DO NEXT IN THIS SITUATION.
Consumer complaint received 2024-04-29
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)

XXXX, Experian, and XXXX is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Report shows this account was opened XX/XX/XXXX. The account status is " Account charged off. {$85.00} written off. {$85.00} past due as of XX/XX/XXXX. '' The responsibility is as individual, and the past due amount is {$85.00}. The original balance was for {$85.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with this company.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

as per The Guidance from the consumer financial protection bureau CFPB the document needed, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to trafficking debt final rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ) I kindly request that you blocked this information from my credit report with them within 4 business days pursuant to section 605C of fair credit reporting at I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked an deleted company information Transunion. please delete the following accounts. XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (IL)

I was sent an email on XX/XX/XXXX saying that a capital XXXX credit card has been shipped and will be arriving on XX/XX/XXXX. I had not applied for a credit card. Going to Experian, I saw that there was a hard inquiry through XXXX XXXXXXXX listed on XX/XX/XXXX. I also noticed a fraudulent phone number listed on my account that did not belong to me. I Immediately took steps to fix this by locking down my credit file and doing a security freeze. I contacted XXXX XXXXXXXX to launch an investigation on the card as well as locked the inactivated card from the XXXX XXXX app that it allowed me access to. I contacted Experian to launch a dispute over the XXXX XXXX inquiry and dispute the fraudulent phone number.
Consumer complaint received 2024-04-29
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. (MI)

These accounts listed here are all opened fraudulently without my permission : There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-04-29
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 am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-07-22
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. (NC)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-04-29
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)

My social security and information was part of identity breach with all three credit reporting agency a few years ago. I have been disputing, names, addresses and negative credit that does not belong to me with the creditors and more so with the credit agencies. The credit agency have not verified anything nor sent any proof of verification. I have bot been able to get many items removed and at least 14 items are already seven years old and false. I want to know if i can still file my claim
Consumer complaint received 2024-01-22
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. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC. (FL)

Ally financial calls me all day every day if there is a late payment. Including when I call them to let them know the payment will be late. It is interfering with my work at this point and if I lose my job then no payments will be made. This is harassment. In the attachment you will find today 's calls three times in a period of an hour and a half.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXdischarged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-04
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. (AZ)

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (GA)

Proper notice was not given prior to furnishing negative information to credit reporting agencies, In addition, my federally protect consumer rights has been violated under 15 USC 1681.consumer rights to privacy and confidentiality According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. 92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous. See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 According to the following 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 ) ( XXXX ) 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. 


The following accounts violate the above laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In addition several accounts that should not be reporting are still reporting, I want immediate deletion or compensation for damages.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Report shows this account was opened XX/XX/XXXX. The account status is paid/closed as of XX/XX/XXXX. The responsibility is as individual, and the original amount was {$310.00}. This account states that the original creditor name is : XXXX XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc. (FL)

XX/XX/XXXX I removed 2/4 accounts and was informed my monthly payments would decrease to {$100.00} bi-monthly but would still cover the 2 accounts that were being disputed including 1 that already had a settlement. 

XX/XX/XXXX Contacted by company who requested my payments go from 2to 3 a month and asked for {$300.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I asked why would it be increase and was informed because of a {$460.00} settlement for the 2nd account. I asked why would it be this amount for the next 48 months for a {$460.00} settlement. They gave me round about answers and no clear answers then proceeded to say my account was in the red although I was paying $ XXXX from XXXX XXXX XX/XX/XXXX that was supposed to be for 4 accounts. I then removed 2 accounts reducing my enrolled debt and making my payments $ XXXX for the other two accounts from XXXX XXXX current. Where did my account go to red when I removed two accounts originally enrolled? I didn't get a straight answer. The service representative stumbled and studdered over words. I asked why my payments would need to increase? So far I have paid Beyond Finance {$1900.00} and they have ONLY paid one account settlement {$700.00} and now they are asking for an extra {$300.00} for another settlement. That's {$1200.00} of my hard earned money to NOTHING other than attorneys fees and their pockets. And this was NOT explained to be initially that so much would NOT go to my debt. I am further in debt trying to get credit repair from Beyond Finance. Customer services is terrible and they don't know anything to help me. I was told the amount set was all I needed to pay a month to get out of credit card debt for {$18000.00} and now I have only enroller {$12000.00} and they are trying to increase it.
Consumer complaint received 2024-04-29
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)

Its been months since i found out that my family member by the name of XXXX stole my information and used it to get credit cards, i was only notified when i started receiving phone calls about delinquent accounts. I need help in removing these fraud accounts from my credit report. I have disputed with the bureaus but they have done nothing.
Consumer complaint received 2022-11-16
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00}