davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear CFPB Representative. 

I recently reviewed my Experian credit file, and noticed a few things are incomplete and/or 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 ... XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX.are NOT COMPLETE AND ACCURATE. 

I sent a letter asking EXPERIAN to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. 

They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate, and according to XXXX XXXX XXXX XXXX, they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, 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 THE ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION 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 THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. 

And according to this law, they are suppose to provide me a DESCRIPTION OF THE INVESTIGATION according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by NOT LATER THAN 15 DAYS AFTER THE REQUEST from the consumer for that description.

But AFTER MULTIPLE REQUESTS BY ME, they did not do that as well.

Finally, according to 15 USC 1681s-2 they are suppose to : NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THAT PERSON KNOWS, OR HAS REASONABLE CAUSE TO BELIEVE, THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-05-24
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. (WI)

After reviewing my credit report, I noticed that it has multiple accounts listed that I've never been associated with. I've never applied for such accounts, nor have I given anyone my information. I've been a victim of identity theft and i would like these accounts removed immediately. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Acct # : XXXX XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$29000.00} Acct # : XXXX XXXX XXXX XXXX Opened  XX/XX/XXXX with a balance of {$1400.00} Acct # : XXXX XXXX XXXX XXXX  XXXX Opened on XX/XX/XXXX with a balance of {$1000.00} Acct # : XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$200.00} Acct # : XXXX
Consumer complaint received 2024-05-03
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-08
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. (TX)

My name is XXXX I have several accounts that are showing on my Equifax credit report that I believe are not mine. I have tried an online dispute to and a mail in dispute asking for proof of original contracts- with my signatures- to prove that these actually belong to me. The response that I have received both times are " We have verified and the account remains '' but still no actual proof. I do not believe these are mine and without out showing proof they could be allowing just anyone add whatever they want to my credit report which keeps me from gaining future credit and resealable rates. Can you check into this matter? 

Date of online request : XXXX Date of Mailed request : XXXX Accounts : XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX
Consumer complaint received 2024-05-03
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

I XXXX sent a check via the Chime XXXX XXXX on XX/XX/2024 to my sister XXXX for {$3500.00}. The funds were immediately withdrawn from my XXXX XXXX checking account on XX/XX/2024. XXXX received the check at her home address on XX/XX/2024. XXXX attempted to deposit the check into her checking account located at XXXX XXXX. She was given access to the funds immediately through her XXXX checking account through XXXX banking policy. After XXXX hours the check was returned to XXXX as a non cashable check. XXXX was then ask to return the funds to her account which was negative {$3500.00}. She returned the funds, and XXXX returned the check as fraudulent. The check was sent from XXXX XXXX XXXX in XXXX XXXX took the check to XXXX XXXX XXXXXXXX as directed by her XXXX XXXX representative. At XXXX XXXXXXXX XXXX they told XXXX that the check was fraudulent because the signature on the check that was provided by XXXX XXXX  XXXX in XXXX, is not a verified account holder, and the check is non cash able due to the signature being unverifiable. I XXXX, have made contact with my bank ( Chime, XXXX XXXX ), and the XXXX XXXX XXXX in XXXX the bank that the check was printed at, multiple times, with video documentation, of each business hanging up on me multiple times. My bank ( Chime, XXXX XXXX ) is showing the status of the check is Cashed, and claiming that they are unable to reversed the payment of the check. I XXXX, assumed the check would be coming from Chime, or the XXXX XXXX when I filled out the form to have the check sent through the mail to my sisters home address. There was no indication anywhere on the form that stated that Chime would be using a third party, which is XXXX XXXX XXXX, to send the funds through a check from an unknown account. At this point, the funds have been withdrawn from my Chime bank account on XX/XX/2024. My sister XXXX has not received the funds for the check to her XXXX account from XXXX XXXXXXXX XXXX where the check came from and the check was returned to XXXX. I am unable to contact anyone with XXXX XXXXXXXX XXXX because neither my sister XXXX, nor myself XXXX hold an account with XXXX XXXXXXXX XXXX. I am unable to get my {$3500.00} back that was withdrawn from my Chime, XXXX XXXX account. I also never authorized for them to give my information to XXXX XXXX XXXX to send the check out. This is the only way I can send checks through Chime, XXXX XXXX. There is no option to order physical checks for my account. When I have made contact with Chime between XXXX XXXX XXXX XXXXXX/XX/XXXX through XXXX XXXX XXXX XXXXXX/XX/XXXX, they have told me there is nothing they can do because the check has been cashed, and they hang up on me while holding for a XXXX to speak to me on the line.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 2024-06-21
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: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX  sent an email informing me that they deleted their negative reporting from my credit report. It reads : XXXX XXXX XXXX  has requested that the major consumer reporting agencies either change XXXX XXXX XXXX  's tradeline, concerning this Account ( my credit report shows two accounts, where XXXX XXXX XXXX  allowed someone to open another account in my name and make fraudulent charges, after having a security alert and credit freeze on my credit file ). 

They knew the accounts had received multiple fraudulent charges, so I sent them the police report and FTC report to have the account deleted. They then sold the same accounts to LVNV Funding, LLC c/o Resurgent Capital Services , LP, when they knew they were deleted and paid, due to Identity Theft. Is that not illegal? Is that ethical? How are there two accounts for the same company, that opened around the same time? One was opened fraudulently and one was used to make fraudulent charges on my credit accounts that thieves stole from my purse, while I was in the gym. A police report was sent as well. As of today, XX/XX/XXXX, LVNV Funding, LLC is still trying to collect funds on a closed debt. I demand they remove these inaccurate collections accounts from all of the major credit bureaus reporting negative information.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I'M SICK AND TIRED OF THIS NONSENSE! AFTER I FILED FOR BANKRUPTCY IN XXXX, IT HAS COME TO MY ATTENTION THAT DUE TO A BREACH IN DATA SECURITY, MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAD BEEN STOLEN ( CIRCA XXXX ) AND FRAUDULENTLY USED! I PAID XXXX XXXX  TO HELP SECURE MY INFORMATION. I HAVE RECENTLY BEEN MADE AWARE THAT XXXX  IS NOT A REPUTABLE COMPANY. THEREFORE, MORE OF MY PERSONAL INFORMATION HAS BEEN STOLEN!!! I WAS INFORMED THAT A CAR LOAN HAD BEEN APPROVED BY A PERSON USING MY SOCIAL SECURITY NUMBER! I HAVEN'T HAD A DRIVER 'S LICENSE SINCE XXXX!!! FURTHERMORE, ALTHOUGH I HAVE SENT ORIGINAL SOCIAL SECURITY CARD ... XXXX AND XXXX W2 ORIGINAL FORMS WHICH PROVE THAT I HAVE BEEN SOLELY RESIDING AT MY CURRENT ADDRESS IN XXXX SINCE XX/XX/XXXX, XXXX UTILITIES BILL XXXX AND XXXX, MY GOVERNMENT ISSUED PASSPORT, MY WORK ID, AND A COPY OF MY BANKRUPTCY STATEMENT XXXX, MY XXXX CABLE BILL WHICH HAS MY ADDRESS ... ALL THREE CREDIT BUREAUS REFUSE TO SEND ME MY CREDIT REPORT!!! I AM A VICTIM OF BOTH CREDIT FRAUD AND THE THREE CREDIT BUREAUS!!! I WILL NEVER BE ABLE TO HAVE THESE FRAUDULENT CHARGES REMOVED FROM MY CREDIT FILE. SINCE MY BANKRUPTCY XXXX, I HAVEN'T ANY OUTSTANDING ACCOUNTS. I DEMAND THAT I BE PROVIDED MY CREDIT REPORT SO THAT I CAN LEGALLY CONTEST THESE CHARGES!!! MY INFO WAS COMPROMISED BY A COMPANY WHICH WAS CONNECTED TO XXXX XXXX. I AM TIRED OF BEING VICTIMIZED. I AM A XXXX MAN WHO HAS BEEN VICTIMIZED ALL OF MY LIFE. I BELIEVE THAT THESE THREE CREDIT BUREAUS ARE JUST AN AMERICAN EXTENSION OF XXXX.
Consumer complaint received 2024-05-08
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call transunion to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too.
First, I report the problem to trans union because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XXXX XXXX XXXX. Trans union said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to trans union and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XXXX XXXX XXXX at trans union. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XXXX XXXX XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XXXX XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to transunion and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XXXX XXXX XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XXXX XXXX XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XXXX and I submit evidence to the IRS I have been in XXXX from XXXX to XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.
Consumer complaint received 2023-09-26
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. (VA)

I submitted a dispute to TransUnion pertaining to my personal information and accounts XXXX XXXX XXXX XXXX XXXXXXXX via certified mail ( tracking number XXXX ) received XX/XX/XXXX. On XX/XX/XXXX I received confirmation from Transunion that the dispute was complete. On XX/XX/XXXX, 31 days after my initial dispute was received, I generated another report from TransUnion website file # XXXX ( proof attached ) to verify the changes made to my report. I sent another certified letter to TransUnion ( tracking number XXXX ) received XX/XX/XXXX to advise I disagree with the results and request proof of negative payment history as well as a description of the procedures used to reinvestigate. Surprising I also did not see a clear note that the two accounts were in dispute by me. As of XX/XX/XXXX the notice of dispute still has not been added. This is a direct violation of my rights under FCRA 623 ( a ) ( 3 ). In the initial dispute I provided a copy of my ID, a copy of ss card, a copy of a recent utility bill, and I have now notified TransUnion multiple times that the additional addresses listed are not valid. Again, another blatant disregard for the law under 15 usc 1681s-2 ( a ) ( 1 ) ( B ).
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank advertised a new business checking account with a promotion : deposit {$20000.00} and keep it in the account for more than 60 days to receive a {$1000.00} bonus. I proceeded with depositing {$20000.00} when I opened the account. During the 60 days, the account was charged a management fee of {$40.00}. I promptly called and asked for a one-time reversal of the fee, which was waived. However, due to the aforementioned fee, the account briefly fell below the {$20000.00} threshold. As a result, Huntington didn't pay me the opening bonus, even though that's how they advertised the deal in the terms and conditions. I called and spoke with customer service rep and a local branch manager on a multiple occasions, but I haven't received any follow up communication or resolution of the matter from the manager that I was promised that I would get. Huntington still has my opening deposit of {$20000.00} in my account.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have been writen to, XXXX, EQUIFAX XXXX XXXX to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( My Personal Residence ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( My Own Company- XXXX # XXXX )
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive recently received mail stating a response dating XX/XX/year> from XXXX only and i believe i requested the information that all three bureaus send me direct proof of the information from the furnishers that is being reported to them regarding the information on my consumer report also asking if i did not receive that exact information i demanded deletions of those reports as ive been asking for the last XXXX. THEY ARE STILL INACCURATE which you will see in the files i upload. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. 

I want the original files with my written signature in ink that has been reported from these furnishers to the credit bureaus giving my authorization to report my private personal information to the following accts. If can not provide i demand DELETION as i do not authorize these third party companies to report on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information *DISCLAIMER : Myreport is not a guide line to update your information, ... its only to show that the information you're receiving from the furnisher is INACCURATE so you must delete without prejudice!
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FC HoldCo LLC (TX)

My car loan company Flagship credit Acceptance has not reported to any of the 3 bureaus since XX/XX/2023. They are giving me the run around and everytime I call they advise me to call the next business day or that they will have the supervisor assist me. I have not received any response. I asked for corporate contact and was told that corporates number was not active at the time. I am becoming suspicious and needs some help. 

Thank you
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Upon reviewing my credit report, I stumbled across a few accounts that did not belong to me. I have never heard of such companies before. I also have never given anyone my personal information. Below are the accounts : XXXX XXXX balance {$530.00}, posted on XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX balance {$140.00}, posted on XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX  balance {$0.00}, posted XX/XX/XXXX Acct XXXX XXXX XXXXXXXX