davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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. (NV)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-06
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. (GA)

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 2024-05-15
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)

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT This account should not be reporting on my consumer report as I am a victim of identity theft I have never had an account with this company and do not owe this debt. This account should not be furnished on my consumer report as they are in violation!!! Per U.S code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. XXXX XXXX XXXX XXXX Account XXXX 15U.S code 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than XXXX business days after the date of receipt. PLEASE DELETE IMMEDIATELY
Consumer complaint received 2021-04-28
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: Fidelity National Information Services, Inc. (FNIS) (VI)

I paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. 

XXXX XXXX still haven't send me a Paid in Full letter. XXXX still didn't update reporting agencies.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Recently I did an investigation on my credit report and found some items may be inaccurate and in fact breaking the law. 
Under 15 U.S. Code 19681 e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 Code 19681 I ( 5 ) Treatment of inaccurate information or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall ( i ) promptly delete the item if information from the file of the consumer or modify the information as appropriate based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the items from my credit report. 

XXXX XXXX XXXX XXXX, SC Original creditor Says Last reported XX/XX/XXXX Last Payment Date was XX/XX/XXXX according to their records They are saying the account was Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) to the credit bureaus.
Consumer complaint received 2023-08-26
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)

In disdain of multiple previous written requests, the incorrect accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct or remove the accounts.This is my several request to the three Credit Bureaus abut yet it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please correct or remove these accounts which are inaccurate from my personal credit file : DEPTEDXXXX  XXXX Balance Owed : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX XXXX Balance Owed : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX  XXXX Balance Owed : {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-06-11
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: LCI Acquisition Inc. (AL)

In XX/XX/2023 I requested from XXXX a method of verification of the bankruptcies I disputed and there were two resources that they receive their information from. XXXX XXXX and a Company called XXXX ( XXXX XXXX XXXX XXXX XXXX has no bankruptcies on my consumer report, but XXXX claims to have some information. In the investigation of the method of verification, XXXX contacted me stating that they are a furnisher and provides bankruptcies information to XXXX. I have disputed the information, based on Rule 9037 Privacy Protection for Filings made with the courts. ( a ) Redacting Filing. A Court ONLY ( 1 ) the last four digits of the social security number and tax-payer-identification number ( 2 ) the year of the individual 's birth ( 3 ) the minor 's initials and ( 4 ) the last four digit of the financial-account number. With this Rule 9037 Privacy Protection, there is no way that it can be verified to be mines. This is also a violation against the XXXX reporting standard. XXXX does not have a Permissible Purpose to obtain or transfer personal information to any CRA. Incomplete and unable to verify " Originating Source ''. This has been a hinder in my life and I am standing up to demand my life back. To buy me a home, to have lower interest rates. This is a violation and has been damaging my reputation and also other consumers for years.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (GA)

I had my direct deposit sent to my money lion checking account in my name, & on XX/XX/2023, I attempted to transfer it to an external checking account. I have yet to see a dime of any money that I attempted to transfer ( Today is XX/XX/2023 ). I am now going to be behind on loans, bills, rent, etc. I called my external bank and they don't even see an ATTEMPT at the transfer. Meaning, Money Lion NEVER sent my money to to my external account to begin with!! I made my external bank double check, and they see absolutely no attempt from anyone to deposit money into my account. 

I don't have a physical Money Lion debit card ( they haven't sent it to me... ) so I never even had the option to keep the funds in that Money Lion Checking account. I have to pay bills and eat/ spend to survive. I needed access to the funds the DAY I got paid in order to pay my bills and expenses. 
I've been through multiple Money Lion supervisors and representatives, who have lied to my face and told me different answers on when I would receive my initiated transfer. Every single time, they kept saying today or tomorrow, so I am having to find out the hard way that the money was never even sent to my external bank account. I have NO idea where the money is, its just in thin, computer air at this point. 
I work so hard y'all this type of hold up is almost enough to make somebody homeless. I'm missing an entire paycheck amount because of them. I'm so stressed and sad, and a lot of my bills are going to charge me late fees / cause huge dings to my credit because of this. 
Mind you, I also have a XXXX XXXX XXXX XXXX with money lion. They have been saying i'm late on payments, meanwhile they won't even let me pay in the app with my checking account on file, ALSO.What do they expect me to pay with? They stole my money!! I pay for my bills with my paycheck! 

They have made no plan or effort to ever send me my heard earned money that they ONLY had because I trusted this company enough to handle my money properly. Please help, I have no idea how I can keep up with my expenses now that I am missing an entire paycheck, and they refuse to do anything about it.
Consumer complaint received 2024-05-15
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)

The company is reporting information without my consent. According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove the following items. Thank you XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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. (OK)

I XXXX XXXX have been not only apart of data breaches but also the one from XXXX!! I have multiple items and addresses and inquiries that are on my FICO reports that are not mine. I do not and have NEVER given these companies my consent for anything. I filed as instructed by Federal Law under XXXX to block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Instead XXXX said they no longer follow this procedure?? They DO NOT make the Rules and who are they to go back to the very accounts that were apart of Aggravated ID theft and verify through electronic buttons?? THIS IS NOT THE LAW AND I NEED YOUR HELP TO ENFORCE THIS CRIMINAL ACT. They had 4 days to block, and send a letter, they DID NOT DO THIS. The accounts are hurting me financially and they are committing conspiracy now. ALL three are Criminals and not protecting the XXXX XXXX are Violating the XXXX and other codes with intent to harm me
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently investigated my XXXX credit report and noticed the account listed directly below is in the " Accounts with Adverse Information '' section, when it is in good standing, and verified by the credit card company as paid on time. 

Bank of America # XXXX Under 15 USC 1681 ( e ) ( b ) Accuracy of report : when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In accordance with the Fair Credit Reporting Act, this error on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove the " Account with Adverse Information '' designation on this account from my credit report, immediately.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In disdain of multiple previous written requests, the incorrect accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct or remove the accounts.This is my several request to the three Credit Bureaus abut yet it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please correct or remove these accounts which are inaccurate from my personal credit file : DEPTEDXXXX XXXX Balance Owed : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

DEPTEDXXXX  XXXX Balance Owed : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-06-22
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: Experian Information Solutions Inc. (NY)

Experian and XXXX has unknown inquiries on my credit report and its holding me back from loans mainly from experience. I cant obtain anything and experience loads inquiries on my credit report for no reason I do have evidence. My experian credit report doesnt add up with my XXXX XXXX XXXX XXXX credit report so therefore, experience is all the way in wrong for them to have my credit score like that also its giving me and my family mental anguish. I cant even get a proper loan from anywhere having car problems. Im back on rent and its a lot of other things thats going on in my life this just top it off and I just want remedy tired of looking at my credit score because experience thats the only one thats low. The other two are proper experience has wrong information and they miss using my credit score and information which is putting mental on me and my family
Consumer complaint received 2023-08-26
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. (CO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.