davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (GA)

I sent dispute letters to XXXX, Transunion, and XXXX disputing accounts listed on my report not belonging to me. The dispute letter was received on XX/XX/year> by XXXX, Transunion, and XXXX. I have not received a response from XXXX, Transunion, and XXXX as of today. According to the Fair Credit Reporting Act the credit bureaus have 30 days to investigate and respond to a dispute. We are now over the 30 day time period, the inaccuracies should be removed from my credit report.
Consumer complaint received 2024-05-31
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. (CA)

I pulled a copy of my credit reports and noticed fraudulent accounts and erroneous personal information on my credit reports. Pursuant to 15 USC
1681c-2, I DID NOT authorize nor originate ANY of these listed inquiries, therefore they must be DELETED within four business days of your receipt of
this letter on clear grounds of IDENTITY THEFT/ALLEGED IDENTITY THEFT. Also, please UPDATE my personal information pursuant to 15 USC 1681sXXXX2. DELETE INQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please see attached Identity Theft Report.
Consumer complaint received 2018-07-14
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: EQUIFAX, INC. (PR)

Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the Equifax and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was opened.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-28
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. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (TX)

I have been making monthly payments since XXXX  without missing a single payment, and my loan amount with interest, has actually increased. As a responsible XXXX and paying over XXXX  monthly payments ( $ XXXX ) on time and never missing a payment, as my credit report will validate, I am humbly asking for this loan to be forgiven and shown as paid in full, which would help my family and I tremendously in this current economic uncertainty.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information from my file. The items i deleted are listed in the report I am a big team of identity theft and i did no make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal try, commsision identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (WI)

After my account was opened through a direct bank to bank sign on with my XXXX, XXXX, account and money was transferred, I went into my account, and tried to add additional accounts so that I could transfer money back and forth. BMO auto froze my account and requested bank statements from all the other accounts, my drivers license, and my Social Security number. I was uncomfortable and felt it might be fraud, so I declined to provide, they told me their fraud department would review and get back to me in 30 to 60 days. I have contacted them numerous times and their fraud department told me I did not provide the information they requested within 30 days so they are keeping my {$5000.00} as they deem me fraudulent. I have told them that it was not explain to me correctly and I thought they would just return the money so they are not paying me any interest since XXXX and refused to return the money. They told me that the only way I can get my money back is for Ally bank to request the money back, however, after numerous attempts, XXXX XXXX  has told me that I approved the transfer to BMO alto and they are not able to get the funds back as BMO has declined. I would be happy to provide the information they are requesting in a secure manner however, neither their customer service nor the fraud department will work with me. I am not a fraud and they have taken {$5000.00} from me, let alone the interest that I should be making over the last three months. Had I read the poor reports about BMO alto practices, customer service and fraud depts I would not have opened an account with them.
Consumer complaint received 2024-05-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-01
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. (PR)

Recently ILooked 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 these items for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate. 
XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (FL)

On or about XX/XX/2018 I lost my wallet with all my credit cards i have contacted all my credit cards to cancel them but some of them had fraudulent charges already all but one has given me temporary credit and told me not to worry about making payments on a disputed amount until the investigation is complete in which normally no payment would be due since it was fraud. BBVA compass told me to make payments till they resolve the claim which they say will take 90 to 180 days because they are under staffed. Why should I be paying on a disputed amount if I didn't make the charges. They also sent a report to the credit bureau that I have a balance on my card and a payment is due this lowers my credit score this company does not protect the consumer in any which way. They shouldn't be in business if they don't have the staff to work on behalf of their clients.
Consumer complaint received 2024-05-13
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-05-31
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. (AL)

I have reached out on multiple occasions since 2021 requesting that the credit reporting agency remove the bankruptcy listed due to it containing inaccurate information. I have requested a validation of this information as well as the source of the information. I have yet to get a valid response from the agency and no source of the data. I reached out to my local bankruptcy court, and they reported that they did not provide this information the credit agency and I reached out to XXXX and XXXX who willing removed the inaccurate information from their system and data management database back in 2021. See attached documents.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. Following my recent communication with your organization, I formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial harm by misrepresenting my credit history and obligations. If not properly addressed, I'm prepared to take legal action to protect my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

They have reopen my case and did not send a letter advising and XXXX XXXX or XXXX has been calling me constantly non stop and leaving voicemails. I have ask him before to not call and to either email or send a letter. I have not gotten a new letter or anything but case was reopened on XX/XX/2024 and I was not aware. I had a situation where I have proof that I was facing which was eviction. I was homeless for two months and had to take care of that due to me being a single parent I had to do what I got to do. I am now wanting to go over and beyond with this company because that is totally unacceptable
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC (AZ)

This company is attempting to collect on a debt that is not mine. Revvi and XXXX both have this account open and reporting in collections on my credit report as negative. I have not signed any agreement or contract with resurgent or received any goods or services from them. Please delete this account from credit report. 15 USC 1692c ( c ) clearly states If a consumer refuses to pay a debt the debt collector shall not communicate further with the consumer.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a concerning issue regarding the validation and documentation practices of the credit bureaus. As a consumer, I have recently encountered discrepancies in the information provided by these bureaus, and despite requesting validation and supporting documents, I have not received satisfactory responses. 

Over the past [ mention the time period, if applicable ], I have been actively monitoring my credit reports from [ name of credit bureaus ]. However, upon reviewing the information provided, I noticed discrepancies and inaccuracies that have raised serious concerns about the validation process conducted by these bureaus. 

Despite multiple attempts to seek clarification and request documentation supporting their findings, I have been met with vague responses or outright refusals to provide the necessary evidence. This lack of transparency and accountability is deeply troubling and undermines the trust that consumers place in the credit reporting system. 

I firmly believe that consumers have the right to accurate and verifiable information about their credit history. The failure of credit bureaus to conduct proper validation and provide supporting documents not only violates the Fair Credit Reporting Act but also hinders consumers ' ability to effectively dispute inaccuracies and protect their financial interests. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that credit bureaus comply with regulatory requirements regarding validation and documentation. Additionally, I request that the CFPB provide guidance to consumers on their rights in challenging inaccurate information and obtaining the necessary documentation from credit bureaus. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective measures to address these issues and uphold the integrity of the credit reporting system.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive reached out to XXXX, Trans Union and XXXX and ask them to remove addresses that were not mine to remove credit cards that were opened with those addresses and to remove inquiries that were put on my credit report with those addresses and it keeps on being denied.
Consumer complaint received 2024-05-27
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.