davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-05-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Regarding my last complain with CFPB XXXX against Transunion .They clearly continues violating the FEDERAL CREDIT REPORTING ACT For my surprise they are asking me a verification of my current mailing because the one that I provided in my last complain with CFPB is not listed in their records. That information is totally false!! See one copy of one of the multiple letters that Transunion send me every time I ask for an  investigation and you can see clearly that is the same address that I use in my last complains with the CFPB. They are clearly dilating the issue of my last complain XXXX. I DEMAND Transunion to solve immediately the complaint XXXX and stop delaying the process
Consumer complaint received 2024-09-10
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. (GA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act Re : Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Model : XXXX XXXX VIN # XXXX 15 U.S.C 1681 States I have the right to privacy 15 U.S.C 1681 States without my written permission or instruction a consumer reporting agency does not have the right to furnish my account The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2023-10-31
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-10-31
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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 need your support in addressing the wrong account being listed on my credit report. This has negatively impacted my reputation, and I rely on your help to resolve this. The mismanagement of my credit report has caused significant harm, and these issues must be fixed so I can live without further disruptions to my family.
Consumer complaint received 2023-04-11
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. (NC)

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/2023 ( THIS IS NOT MY DEBT )
Consumer complaint received 2019-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I have been in review forever with Chase. My mom passed away and I have provided everything to the lender trying to save the house and assume the loan. 

They now have placed a sale date on my house and I am afraid I am going to lose my home.
Consumer complaint received 2024-05-06
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2019-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (PR)

i sent a letter to American Express saying my account was Hacked, They have ^XXXX XXXX XXXX in their possesion, they told me they were going to send me a check for XXXX XXXX XXXX, its been 22 days and i havent received anything at all when i call them they hang up on me
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Someone stole my new debit card from the mailbox. They activated it and stole money. 
They somehow have my social security number too probably due to the XXXX leak. I called Experian to have them put a freeze on my account and mark my account with a XXXX XXXX. They supposedly did and said they would send me an access Pin in the mail. However, I realized after I hung up that if they send me a access PIN in the mail it will likely get stolen since someone is stealing my mail. This is how my debit card was stolen in the first place. I've been trying to call Experian back to ask them not to send me a PIN through the mail. This pin XXXX give these thieves access to more of my information. Experian has decided they do not need to answer any calls from consumers unless they need a XXXX or a credit fraud alert added to their account. I assume it is the law that they have to be available for fraud alerts and freezes. Since I already have XXXX placed on my account there is absolutely no way to talk to a live person. They have control of my credit and they refuse to transfer my call to a live agent. They refuse to speak to consumers.
Consumer complaint received 2023-10-31
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. (AL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-07-02
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I reached out to Experian 3 times regarding a medical debt with a balance below {$500.00} that they are reporting on my consumer report. This account was not validated and the company XXXX XXXX XXXX XXXX furnishing this information violates HIPAA. I disputed the account with Experian who has never provided me with any verification of this debt upon my request and they have refused to delete this account from my credit report which violates the CFPB regarding unpaid medical debt that has a bTwo-thirds of medical collections on credit reports will no longer be reported. 
Published by CFPBXX/XX/XXXX- Starting in XX/XX/XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. balance below {$500.00} should not be reported on consumer reports.
Consumer complaint received 2024-01-16
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. (MD)

To, Equifax Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TX)

I made a deposit in my Truist bank account to make a payment and Truist could not make the payment. I asked what the issue was and I was told the money was frozen. Even though I have gone multiple times I have visited the XXXX location inquiring about what was going on I have not received a favorable answer.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

Experian has fraudulently put a derogatory remark on my credit profile listed as XXXX XXXX XXXX. As I have contacted Experian to resolve the fraud with dispute XXXX XXXX they had told me no verification of debt was needed and that their client also does not need to verify the debt violating numerous laws. Once I stated I needed to speak to the supervisor or fraud department to resolve the issue they refused to transfer me. The number I called was XXXX XXXXXXXX I got XXXX, XXXX, XXXX and XXXX each time I called they hung up during the transfer to a supervisor and refused to transfer my call to the fraud department. When I disputed this in the past, I have made a complaint to CFPB to investigate the activities at Experian with regard to this matter file XXXX  XXXX. As you see Experian responded to you with a LIE saying they were working on the dispute, when in fact they have closed the dispute without any verification of the debt AGAIN and have given no further information on the validation of the debt since. Experian is conducting fraudulent business practices hurting the public, lying to regulatory authority and breaking federal laws.
Consumer complaint received 2024-05-06
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)

On dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/scrub>XXXX XXXX XXXX XXXX on the first of every month for the last 4 months i have notified Experian that there are 2 items that are reporting inaccuracies. I sent them a letter certified mail with tracking number. I always provide Experian with a police report, ID theft from IDtheft.gov, copy of my ssn, copy of my ID and the stated law. Here is the tracking number XXXX XXXX ( US Postal Service ). 
Account that i am disputing : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX All Experian said every time i call is that the investigation and said those accounts are verified and accurate. 
According to my rights by federal law, under 15 USC 1681i ( 5 ) states after any reinvestigation under paragraph ( 1 ) of and information be disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Consumer complaint received 2024-05-06
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

I'm trying to apply for a loan from my credit union however when they try to pull my equifax report it is reporting a freeze or error on my report. However I've called numerous times and was told each time that there was no freeze or extended fraud alert. I was told to fax my ID and social security card to resolve the issue.This has been going on over a month and I keep getting the run around.This is what is reporting on Equifax credit file status : Report Blocked For Promotional Purposes Date XX/XX/2023 No one at Equifax can give me a explanation of what this means no lender can pull my credit with equifax
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

I am still locked out of my account through Ally Auto I have been locked out since XX/XX/2023. The company is allowing another person to utilize all of my account information and my email address my account contains my personal information which I was the one who set it up with my credentials. The company refuses to correct this issue.
Consumer complaint received 2023-10-31
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)

This debt collection company placed a account on my XXXX  account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to experian without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my experian it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (MS)

I am writing to address the recent notification I received from your office regarding the verification of certain items on my credit report associated with the account number XXXX. Specifically, this pertains to items reported by XXXX XXXX XXXX. I kindly request that you provide me with detailed information about the verification process for these items in accordance with the Fair Credit Reporting Act ( FCRA ) .response within 15 days or delete the trade-lines