davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am and identify theft victim. I have sent multiple dispute letters as well as ftc reports and police reports to all three credit reporting agencies as well as the furthers of the accounts in question with no results. The accounts still remain on my credit report impacting not on my score but my life as a whole. I have sent letters on XX/XX/2024, XX/XX/2024, XXXX all with no explanation of how it was investigated. I requested all fraudulent information be blocked from my report but it still remains after every attempt to dispute it from my report. I have no received any information supporting the claims that I owe this debt as well as verifying the accounts in question. Please assist me in connecting the necessary companies to have this information blocked and removed from my report Assp.
Consumer complaint received 2024-05-01
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. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had on late payments on an account that I for sure paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/2023 and XX/XX/2023. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-01
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. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had on late payments on an account that I for sure paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/2023 and XX/XX/2023. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-05-01
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

I had a vehicle loan with Navy Federal credit union in XXXX. I've asked them to remove it from my credit many of times. They took money out of my bank account for it too. I NEED Navy Federal credit union to remove this from credit report immediately. And on some credit reports it doesn't show up at all. 

Thank you!!
Consumer complaint received 2024-01-17
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. (MO)

There still working on this issue just look at the evidence but I know nobody is looking since there are over XXXX, XXXX complaints against the XXXX bureaus and experian at the top of the list, the issue is experian has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-05-01
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. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I for sure without question paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-05-01
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: CITIBANK, N.A. (NJ)

I reviewed a copy of my credit report and CITI Cards/CITIBANK ran an unauthorized credit inquiry on me on XX/XX/2021 I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CITI Cards/CITIBANK and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Consumer complaint received 2024-05-01
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. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I for sure without question paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I'm a former tenant at The XXXX of XXXX XXXX and moved in XXXX of XXXX. I put in a 60 day notice and my lease ended XX/XX/XXXX. I actually moved on XX/XX/XXXX and paid the full month 's rent as expected. The apartment keys were returned when I moved out. I was a great tenant who always paid on time and only made a few maintenance requests while living there. The dire being when a piece of the bookcase shelving fell in and rained in my apartment and was never fixed before moving out ( this happened months before the end of my lease ). 

I started receiving calls from a debt collection company ( XXXX XXXX XXXX ) because my account was turned over to them. I went to XXXX XXXX XXXX XXXXXXXX XXXX to have this resolved and received a printout and was told to contact the person over billing ( XXXX XXXX ) on the following Monday. After doing so through email I received an attachment that contradicts the original printout ( please see attachments ). I don't believe that this is good business practice to try to cheat someone out of their hard-earned money so I chose to come directly to you with this issue since the apartment management wouldn't resolve it. I've worked for years to achieve excellent credit in order to achieve a home loan and then this happens to me. The collection agency nor the apartment complex is seeing the issue. 

Attached you will find ; Residential ledger from XXXX XXXX XXXX XXXXXXXX XXXX ( I've highlighted payments ). 
Print out of payment directly from creditor. 
Move-in statement from XXXX XXXX XXXX stating when my new lease started.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

XX/XX/2023 I received an email that my account was over draft to find out that a Merchant used an old debit card that I lost for payment. I lost my debit card and it is not the first time this year, I lost my debit card around XXXX times, I have a head injury and lose things at times, I am XXXX. I should not have to explain this however that is my XXXX issue, I should not be condemned for it. However PNC allowed a Merchant who had my old card use to pay for services as the account was no longer on hold. 

I gave the Merchant my card only for a deposit for {$50.00} and after I return the car I suppose to have the {$50.00} returned which the car is returned. PNC is now in an issue that they did not have to any business to be involve in however violated my rights to allow a Merchant to gain access to my account after my debit card was lost. Now I am in fear that other Merchants can do the same.

The PNC customer service manager called me last night as if I was a child and it made me so angry as she was passive aggressive speaking down to me. She was not empathtic to my needs however insenstive, stating, when we send you the documents please send it back to us in a childish tone. 

PNC bank has no business authorizing anything without my permission and when it was explain to me the hold was drop when I rent the car how you going to allow the Merchant to go into my account!! They changed the policies and rules ; and PNC bank is unethical,
Consumer complaint received 2023-06-09
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/16 I completed loan app was offered a 8 % interest rate. At this times rates were high XXXX % and I have over a XXXX credit score. I went in the branch for help and was told to call another phone number and I left branch called the number and was told there was nothing they can do. All I wanted was understanding as to why a person with low XXXX and high credit score of over XXXX could be offered such a high interest rates when there were lower rates being offered. I bank with them for years and paid off loans there Yet Im still confused how this happened.
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

I contacted US auto sales in regards to my car being XXXX and then repod. TO MY KNOWLEDGE MY ACCOUNT WAS CURRENT AND THEY ACCEPTED A PAYMENT FROM ME THE DAY BEFORE IT WAS SIEZED. I never received any written contact or verbal contact in regards to why yet I have been negatively impacted on my credit report.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-01
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} 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
Consumer complaint received 2023-06-09
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX at the hours between XXXX and XXXX several unauthorized atm withdraws and fraudulent deposits were conducted in 2 different cities across XXXX XXXX XXXX I had ordered a new card on the XXXX of XXXX and without my knowledge my card turns out to have been stolen out of my mail as I never received it. This is with Wells Fargo. I contacted them immediately that someone was using my card I never received all over XXXXXXXX XXXX resulting in them stealing {$1000.00}. They reviewed case and told me I was out of luck even though I did not authorize these atm transactions nor did I have the card in my possession.
Consumer complaint received 2023-12-22
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've informed the credit report companies, XXXX, XXXX, and Transunion, that these aren't accurate, and I've produced the XXXX XXXX Bankruptcy, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX Bankruptcy, and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding the Department Of Education 's prolonged reporting of inaccurate information on my credit profile, which has been persisting for over 15 years. Despite the passage of time and my efforts to rectify this matter, the false reporting still appears from the Department Of Education on my credit profile as of the date of this complaint, which is XX/XX/2023. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ) and industry standards, it is expected that negative information should be removed from a credit report after a period of 7 years. However, in my case, the inaccurate information continues to be reported well beyond this time frame, causing significant harm to my financial standing. 

The prolonged reporting of false information has had a detrimental impact on my creditworthiness, making it challenging for me to access credit and financial opportunities. Despite my best efforts to rectify this situation and comply with the guidelines outlined by governing bodies, the inaccurate reporting persists, causing continued frustration and disappointment. 

I have made multiple attempts to address this issue directly with the credit reporting agencies, but to no avail. It is out of sheer desperation and a sense of injustice that I am turning to your esteemed organization for assistance in resolving this matter. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this case and takes appropriate action against the credit reporting agencies responsible for the prolonged reporting of inaccurate information on my credit profile. I believe that by bringing attention to this issue, justice will be served, and steps will be taken to rectify the inaccurate reporting that has tarnished my creditworthiness for far too long. 

I have attached supporting documentation, including copies of my credit reports and correspondence with the credit reporting agencies, for your reference. Please let me know if any additional information is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accuracy to my credit profile. I trust that the Consumer Financial Protection Bureau will advocate for consumers like me and ensure that credit reporting agencies adhere to the necessary regulations and standards.
Consumer complaint received 2023-12-22
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. (FL)

I XXXX am Opting out of Any Permission of per thee XXXX as A Federally Protected Consumer. I am now Opting out Of Any And All Authorization. I the Consumer may have given you Written or Unwritten. Verbal or Unverbal 15 USC 16802. This is Effective Immediately And Indefinitely.. XXXX, Experian, XXXX, has been Violating 15 USC 1681 . Also they have been Violating 15 USC 1681 .Also they have been Violating the Privacy Act Of 1974 .Also they have been Violating 16 CFR 313. Also Violating 16CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, FTC 1522. I have been going through this since XXXX.