davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-06-09
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. (FL)

I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and find a solution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.
Consumer complaint received 2024-05-20
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. (CT)

I PULLED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT AFTER BEING INVESTIGATED AND UNVERIFIED. THIS IS COMPLETELY ILLEGAL, AND IN VIOLATION OF 15 USC 1681I ( 2 ) A, I DID NOT RECEIVE ANY WRITTEN NOTIFICATION NOR WITHIN THE 5 BUSINESS DAYS TIME FRAME. I SENT EACH BUREAU A LETTER CERTIFIED MAIL TO ATTEMPT TO RESOLVE THE ISSUE WITH NO FORMAL RESPONSE. 

AS REPORTED BEFORE THIS ACCOUNTS ARE THE DIRECT RESULT OF IDENTITY THEFT AND REPORTING THESE TYPE OF ACCOUNTS TO MY CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681C-2 THE CREDIT REPORTING AGENCIES HAVE THE LEGAL OBLIGATION OF REPORTING MAXIMUM ACCURACY, WHICH IS GOVERNED BY 15 USC 1681E ( B ) AS REQUESTED PREVIOUSLY, I WOULD LIKE ALL INCORRECT NAMES AND ADDRESSES REMOVED FROM MY CONSUMER PROFILE TO PREVENT INACCURATE REPORTING AND THEFT ACCOUNTS.
Consumer complaint received 2019-10-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

My information is being held hostage I can not get access to it. 

I have spoken with all three bureaus and demand written documentation that I agreed for them to collect and sell my information or show me written documentation that I agreed to be represented by any of these entities. 

I demand addresses for these data collection services so they can be served their notice of suit!
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I called today to Experian trying to have all personal statements and fraud alerts " removed '' in addition to the notices that state that my address is a commercial address ... when In fact it is a apartment building that is my residence. I was instructed to upload documents online but even with using the appropriate extensions it will not upload .... so this is another request to please remove all fraud alerts and REMOVE the notice and all comments or personal statements from my credit report .... this is a hinderance as I am currently seeking a mortgage.
Consumer complaint received 2024-06-09
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. (NJ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I sent {$170.00} to purchase shoes from a seller, ( XXXX, cash app name XXXX XXXX, my cash app name is XXXX XXXXXXXX. ) through cash app on XX/XX/XXXX. Today is XX/XX/XXXX, I have not received my shoes. Ive reached out to this company XXXX  per their business email XXXX SEVERAL TIMES, With no response on exactly where my shoes are or a tracking number. Ive also tried to reach out to the company via their XXXX XXXX. I have purchased from this seller before without any problem. On XX/XX/XXXX, I filed for a refund through cash app. My request was denied from the seller, XXXX. Cash app needs to send my money back! I have been scammed.
Consumer complaint received 2024-06-09
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. (VA)

I have a collection account from XXXX on my credit that was placed on my report and background reports due to identity theft. I have filed 2 police reports so far as well as an identity.gov report. I have also sent a copy of the reports to Experian, but this still remains on my credit.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted the credit bureaus on multiple occasions regarding information on my credit report including my personal information. I am a XXXX and some of my fathers information is linking to my credit report. 

Subject : Dispute of Incorrect Information on Credit Report Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute incorrect information on my credit report. According to my records, there are several inaccuracies in my personal information listed by your bureau. My correct details are as follows : Legal Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Employer : XXXX XXXX  The incorrect information listed on my credit report is as follows : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ) Employer : XXXX XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Employer : XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

Please correct the above inaccuracies and send me a corrected copy of my credit report. Additionally, please confirm in writing that these corrections have been made. I have included copies of my driver 's license and a utility bill to verify my identity and current address.

Thank you for your prompt attention to this matter. Please inform me once these changes have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: 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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or 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 2024-06-09
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. (LA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Letters were mailed.
Consumer complaint received 2024-05-20
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. (NJ)

This is my 2nd complaint filed with the CFPB due to Experian 's disregard for the law and my consumer rights. Experian continues to violate my rights as a consumer while also violating the Fair Credit Reporting Act by lacking permissible purpose when reporting fraudulent, incomplete, and inaccurate information to my Experian consumer credit report and file without proper proof of investigation or debt validation response. I have attached my identifying information such as my driver 's license, social security card, and an insurance bill. I have also attached my identity theft police report information, and Identity theft affidavit which has been endorsed by myself as well as the officer who filed the complaint. Experian is damaging my consumer credit worthiness and causing me distress due to its lack of regards for my livelihood for its own financial gain!
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NJ)

Fraud makes all contracts void. So I looked on XXXX for cash app customer support. Found a number and they seemed legal. I was instructed to transfer funds to a XXXX XXXX XXXX ACCOUNT. Until they the " scammers ''. Could fix the problem. Not knowing it was a scam I proceeded to transfer my life savings. {$13000.00} to them. Once they got the money they hung up and disconnected their number. I finally got a hold of cash app to stop the transfer and to launch an investigation. So I waiting 10 days to here from them.
Consumer complaint received 2024-07-24
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently ensured that payments on this account are made on time, never allowing them to be overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX  to report my husband unexpectedly passed in the state of Florida, and due to big expenses, I will not be able to make the payment and would like to know if they can provide an extension for the missing payment. XXXX XXXX denied this request. Due to the loss of my husband, I saw myself without work for a period of 8 months. On XX/XX/XXXX. XXXX XXXX XXXX placed a XXXX XXXX # XXXX again my salary for the amount of {$4500.00} 10 % of my salary was deducted from my paid period until fully paid. {$4800.00} including taxes and fees on XX/XX/XXXX The Judgement was fully satisfied by court order. On XX/XX/XXXX, Midland Credit Management report this account as a Collection account with past due as of XX/XX/XXXX with a balance of {$6400.00}. Account validation was sent and no response was received. This account has been duplicated on my credit report one account under XXXX XXXX XXXX and the other under Midland Credit Management. Please see attached documents.
Consumer complaint received 2024-06-09
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. (NC)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose EXPERIAN, XXXX AND XXXX and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given EXPERIAN, XXXX AND XXXX my XXXX instruction to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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. (FL)

There is a collection on my credit report from XXXX XXXX XXXX that is inaccurate and unverifiable I have requested the debt be validated and it cant they are unable to provide me with a contract that I signed and agreed to with my actual signature or anything that identifies me they claim there is a box on the bottom that I checked off agreeing and next to the box is an Ip address both contracts they provided are fraudulent the information is inaccurate and a investigation was done on the Ip addresses and neither of them belong to me My business or my address that confirms that they dont have any proof and can validate the debt so by reporting this on my credit report is violation of the FCRA and my rights to fair and accurate credit reporting
Consumer complaint received 2019-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2019, an unknown individual gain access to me and my sons joint account. This said individual then write a check for {$250.00} in his name and sent check to himself. On XX/XX/XXXX when my son went to use his bank card all his funds were gone. We immediately call TD bank and they help us change accounts and everything. We filled a dispute and had to wait 15 days. On XX/XX/XXXX I realized that they denied the claim, said I needed a police report. So I went to my local police station and filed a police report. Not to much they can do being this individual lived in South Carolina and we live in New Jersey. So I tool that to bank and refilled a police report. 15 days later was denied again. Fraud department later said I needed to try to file a police report in South Carolina, so I did. South Carolina police said this individual was a known criminal and they arrested him. I took TD bank that police report as well. Then fraud department said I needed an affidavit of fraudulent charges on my account that had to be notarized. Did that, now we into XXXX fighting with td about this money. In XX/XX/XXXX I filed my last dispute and was denied by them saying, hey we see that you didn't do this and this person did but there is nothing we can do for you because we don't know how he got into your account.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern, Upon recently obtaining a copy of my credit report, I was deeply concerned by the findings. It has come to my attention that there are late payments listed on my consumer credit report that absolutely should not be there. 

I tried numerous of times via phone call and even mailed off letter to get this information removed. I'm very disappointed and lost for hope. 

XXXX - XXXX - Payment Never Late - The payment status does not correspond to the payment history. if you can please investigate and update the payment history. 

XXXX XXXX - XXXX - Payment Never Late - The payment status does not correspond to the payment history. if you can please investigate and update the payment history. 


I am compelled to bring to your attention that according to the law, there should be no late payments recorded on my consumer report under any circumstances, especially without my consent or any involvement in the alleged transactions. 

These discrepancies represent clear violations of my consumer rights as outlined in 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b.

I kindly request that you promptly rectify this matter by removing these erroneous late payments from my consumer report and updating the associated account accordingly. 

I have proof that the late payment has been remove from other credit reporting agency however XXXX and Experian has failed to acknowledge my disputes. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
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. (NC)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.