davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am submitting this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found these late payments present. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-28
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. (NY)

I am receiving information on MY loan solely through disputes & credit reports. XXXX refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.
Consumer complaint received 2023-10-20
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. (IL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-01-03
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)

recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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. (IL)

I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2024-05-07
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-07
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. (KY)

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiallity under 1681.

15 USC 1681e ( b ) is a subchapter that requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter1. It also requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports and to limit the furnishing of consumer reports to the purposes listed under section 1681. I Looked at my XXXX credit report and notice some things are incomplete and not accurate, Account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2023-09-21
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. (GA)

XXXX XXXX In assurance with the fair credit act XXXX account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've asked XXXX and EXPERIAN Credit Bureau for validation. The {$6200.00} owed by the client isn't accurate since XXXX send me a Supplemental refund of monthly service fees on closed checking accounts letter on XX/XX/2023. I've requested evidence to confirm the negative account they're reporting on my credit profile, such as an acknowledged agreement and transaction history detailing the balance calculation. Despite my requests, they've declined to provide any documentation verifying this account. Instead, they've chosen to include this unconfirmed debt on my credit report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MA)

I was making my car payment by phone because I was late and I send the payment and noticed insufficient funds, unauthorized checks had been cashed against my account draining my funds. I reported suspicious activity to Chase bank and was told they could not help me. I was never notified that fraud was being committed in my account and I.m hoping someone can help with the situation. 

There were checks from XXXX deposited into my account without my knowledge in the amounts of ( XXXX, XXXX, XXXX, XXXX ) for a total of XXXX and then the funds were fraudulently withdrawn. Chase has not worked with me at all on this, I now have a negative balance of XXXX. I have a child that Im supporting and need help. Im recently new to this country and I am helping family in XXXX.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (OR)

I disputed on all three credit companys and they are saying that their information is correct. It is being reported on my credit and I do not have any accounts with Wells Fargo credit cards. How ever is using my SSN is ruining my credit. Please help. This now to me is Fraud.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute the accounts on my credit report that I believe are inaccurate, incomplete, or unverifiable. I demand that these accounts be removed immediately. Upon reviewing my credit report, I noticed that the bureau reported the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2700.00}. I want to remind you that under the Fair Credit Reporting Act ( FCRA ), you must provide enough information to verify these debts. However, I noticed that you did not provide enough information to do so. Therefore, I demand that you remove these accounts from my credit report. I already submitted a dispute to XXXX regarding this issue, and they have already removed these accounts from their records. They found that the information provided by the creditor was not enough to verify these debts.
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: Experian Information Solutions Inc. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-03
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 submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$5700.00}.
Consumer complaint received 2024-06-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TX)

My name is XXXX XXXX, and I have been a customer of Security Finance with the following account numbers : XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit report, I discovered that several of my installment loans with Security Finance have been inaccurately marked as late payments. 

I have diligently adhered to the repayment schedule outlined in my loan agreements, making all payments in full and on time. However, despite my consistent and timely payments, Security Finance has erroneously reported late payments on my credit report. This misinformation has had a detrimental impact on my credit score and financial well-being. 

I have taken the necessary steps to address this issue directly with Security Finance, I have reached out to all credit bureaus as well as contacting Security Financial. Unfortunately, my efforts to resolve the matter with Security Finance have been unsuccessful thus far. 

I trust that the Consumer Financial Protection Bureau will take prompt and appropriate action to address this issue and uphold consumer rights. Please keep me informed of any developments or actions taken regarding my complaint.
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, and I demand their prompt deletion. The inclusion of these unauthorized entries severely impacts my creditworthiness and tarnishes my financial reputation. I expect your immediate and unwavering cooperation in rectifying this matter. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I have recently reviewed my credit report obtained from your bureau and was appalled to discover several accounts that I can confirm are fraudulent and unauthorized. The information associated with these accounts is inaccurate and has been damaging my credit score, causing me significant distress.

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the validity of these accounts and demand their immediate removal from my credit report. It is imperative that you conduct a thorough investigation into these matters and rectify the inaccuracies promptly. Failing to do so within the legally mandated time frame will leave me with no choice but to pursue legal action against your bureau for negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including a police report and any other relevant evidence, to substantiate my claim of fraudulent activity. I trust that you will take this matter seriously and act swiftly to rectify the inaccuracies on my credit report. 

I expect a written response within 30 days, confirming the removal of the fraudulent accounts and providing an updated and accurate credit report. Failure to comply will leave me with no option but to escalate this matter to the appropriate regulatory authorities.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received unemployment insurance benefits from the Maryland Department of Labor, deposited to a Bank of America debit card. 

On XX/XX/XXXX, and XXXX, XXXX, {$2700.00} was stolen from my account at Bank of America ATMs. I discovered the theft on XX/XX/XXXX and reported it to Bank of America that day. Bank of America cancelled my old debit card and issued a new one. 

On XX/XX/XXXX, Bank of America sent me a letter stating that my claim was closed " because we believe the account or the claim have been the subject of fraud or suspicious activity. '' On XX/XX/XXXX, I telephoned Bank of America. A supervisor told me that all Maryland unemployment insurance claims had been closed because of some sort of technical error, and that the claim would be reopened that day, XX/XX/XXXX. I was given a claim number different from the one in the closing letter. 

Since then I have received no communication from Bank of America. I have called and spoken with claim representatives and customer service agents on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. No Bank of America employee has provided any useful information or told me the status of the investigation. They give me contradictory information about what the bank is doing and what I can expect. Many times they have told me that they can provide no information because " the account is closed. '' My account has been frozen since at least XX/XX/XXXX. Bank of America 's explanations for this are incomprehensible. 

The theft from my account was an unauthorized transfer, as Bank of America could easily confirm by comparing my driver 's license picture ( which I faxed to them twice ) with the photograph of the person making the unauthorized withdrawal. I provided timely notice of the error under Regulation E, section 1005.11 ( b ) ( 1 ). Bank of America did not investigate promptly or provide the results of the investigation, violating section 1005.11 ( c ). Bank of America has not given me a provisional credit pending investigation. More than 90 days have passed and Bank of America has provided no written explanation, violating section 1005.11 ( d ).

I request that Bank of America unfreeze my account and credit {$2700.00} to it.
Consumer complaint received 2024-05-07
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. (TX)

I recently discovered several inaccurately verified accounts on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX. After conducting some investigation, I determined that these accounts were opened fraudulently without my knowledge or consent, indicating clear instances of identity theft. Despite my efforts to dispute these accounts and provide evidence of fraudulent activity, TransUnion has failed to properly investigate and remove them from my credit report. 

I am deeply concerned by the negligence and lack of due diligence in verifying the accuracy of these accounts by TransUnion. I demand to know the exact methods and procedures used by TransUnion to verify these accounts, as it seems evident that the verification process was flawed and failed to detect the fraudulent nature of the accounts. 

TransUnion must comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and integrity of consumer credit reports. The inclusion of these fraudulently verified accounts on my credit report constitutes a violation of my rights under the FCRA and other relevant consumer protection laws. 

Given the gravity of this situation and the continued reporting of inaccurate information on my credit report, I feel it is necessary to pursue legal action against TransUnion for non-compliance with the law and the mishandling of my credit information. I am prepared to initiate a lawsuit to seek redress for the damages caused by the inaccurate reporting and failure to address the identity theft issues promptly and appropriately. 

I demand that TransUnion takes immediate action and removes these inaccurately verified accounts from my credit report, providing me with a corrected credit report reflecting the removal of such false information. Additionally, I expect a detailed response from TransUnion outlining the verification process for these accounts and a plan of action to rectify the situation. 

I am prepared to take further legal action if necessary to protect my rights and seek justice in this matter. I urge TransUnion to take this matter seriously and address it promptly to avoid further legal consequences.
Consumer complaint received 2024-01-03
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)

After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXXXXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-01-03
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX