davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ) My credit report is reporting inaccurate information and I keep getting an AI bot that replies and not an actual representative. Im sick and tired of these companies selling my information illegally without my consent, they are holding me back from making moves in my life and buying a home. these accounts also keep coming back verified. These collections are violating my consumer laws and its having a tremendous effect of me. 

these accounts are XXXX XXXX investments ( Acc : XXXX ) and XXXX XXXX XXXX ( acc : XXXX ). 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2024, I corresponded with XXXX XXXX requesting that they provide verification, validation and accuracy of the account # XXXX which they where reporting on my consumer report via XXXX and EXPERIAN. See : Letter I submitted this letter certified mail. XXXX failed to respond or sign and return the signature card. See : Certificate Receipt. 

I also, requested that XXXX reinvestigate the aforementioned account due to its failure to report complete, accurate and factual information. They failed to throughly provide a investigation as well. 

In light of the above, my constitutional and FDCR rights has been violated. 

1. 15 US Code section 1692 ( a ) 2. 15 U.S. Code section 1681 ( a ) 3. 15 US Code section 1681e ( b ) 4. FDCPA section 807.

5. FDCRA section 808 6. FDCRA section 809 Clearly, this account reflects deception and misleading information against the law. There is no indication of a late payment on TransUnion to validate a Charge off.

However, Transition still penalized my FICO score monthly behind this deceptive tactic. Experian details that this isn't reflecting maximum accuracy by showing that the account took over two ( 2 ) years to reflect a charge off. This is illegal and against IRS rules for financial institutions. See : Credit report. 

Moreso, this demonstrates that XXXX and Experian is in collusion with XXXX XXXX to criminally break the law by failing to accurately report information to the IRS. 


In short, XXXX XXXX failed to verify this account therefore, this misleading and inaccurate account MUST be deleted immediately. 


Thank you in advance.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 1. The balances are in flatted on accounts. 2. The date of the Last Activity are inaccurate. 3. The date Opened are inaccurate. 4. The Closed Date is incomplete on accounts. 5. The Dispute Status is incorrect. 6. The Payment History is incomplete and inaccurate. 7. date of birth is inaccurate. 

Account XXXX Account XXXX XXXX- XXXX Account XXXX XXXX XXXX- XXXX I was not notified properly of any negative reporting as outlined in the fcra Also I do not or have not done any business or have an open account with any of these people. XXXX  XX/XX/year> TransUnion Please take the time and consideration to remove the incorrect information from my credit report, within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV INC. (PA)

My name is XXXX XXXX, the last four of my Social Security number is XXXX. I recently recived a copy of my TeleCheck consumer report. The tracking number is XXXX and I have noticed that there is inquiries listed that I did not authorized and Financial Institution Data that does not belong to me. The unauthorized inquiries is as follows : XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX  on XX/XX/year> and XXXX XXXX ON XX/XX/year>. The Financial data reported that does not belong to me is XXXX XXXXXXXX XXXX  Ref # XXXX. I never had any loans with this bank or know who they are. I like to file a dispute for all the items I've listed and these remove from consumer file.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-05-04
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to file a formal complaint against Experian regarding their handling of my consumer/credit report, which I believe to be in violation of federal laws passed by Congress, including Title 15, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

Since XXXX of 2024, I have been corresponding with Experian regarding identity theft and fraud on my consumer report, stemming from a data leak at XXXX that compromised my private information. Despite numerous communications, Experian has failed to address my concerns and continues to report inaccurate information on my consumer report.

I have repeatedly informed Experian that it is unlawful for anyone to possess my private information ( such as name, address, SSN ) without my consent or authorization. Despite providing evidence, including correspondence from creditors acknowledging fraudulent accounts opened in my name, Experian has refused to remove or block these fraudulent entries from my report.

Furthermore, Experian has disregarded my requests to adhere to federal laws enacted by Congress, which mandate accurate and truthful reporting on consumer reports.

I have taken the necessary steps to protect myself, including filing a report of fraud and identity theft with the Federal Trade Commission ( FTC ) ( Report # XXXX ) and providing Experian with current identification and supporting documents to verify my correct information. However, Experian has failed to assist me in rectifying the situation and continues to ignore my demands for accurate reporting.

I am seeking the assistance of the Consumer Financial Protection Bureau to protect my rights and ensure that Experian complies with federal laws governing consumer reporting. I request that the CFPB investigate this matter thoroughly and take appropriate action to compel Experian to remove fraudulent entries from my consumer report and report accurate, honest, and truthful information.

The accounts in question that I demand removal/block/deletion from my consumer/surety/credit report are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and lastly XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, [ XXXX XXXX ] Beneficiary., All rights reserved w/o recourse.

15 U.S. Code 1681b, 15 U.S. Code 1681c, 15 U.S. Code 1681c1, 15 U.S. Code 1681c2, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1611, 15 U.S. Code 1681s, 15 U.S. Code 1692, 15 U.S. Code 1692e, 15 usc 1666.
Consumer complaint received 2024-04-24
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. (MD)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the 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
Consumer complaint received 2024-04-24
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sending my dispute letters several times and receiving email from the bureaus saying I'm not the one who send out letters. which is definitely wrong because I'm the one who create and send my letters please take an action regarding my concern delete this accounts asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-24
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-04-24
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. (MO)

I reviewed my consumer reports I noticed that I had one late payment on an account that I was never late for. The consumer report agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/22 ). Please investigate and provide proof with the statements showing that these payments were late. If proof can be provided I demand these payments the updated to pay as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

I am writing to file a complaint against Comenity Bank for engaging in predatory lending practices. In XX/XX/, I made a jewelry purchase at a store where I was coerced by the sales representative to sign up for a credit account with Comenity Bank. 

The sales representative promised me a XXXX interest-free financing plan for the purchase, which I agreed to and signed the contract. However, I recently found out that interest started accruing after XXXX months of financing, which has resulted in me owing XXXX times the original amount that I borrowed. This is an utterly unacceptable practice, and I am in a state of shock that Comenity Bank has been allowed to engage in such practices. 

I strongly believe that the sales representative from the jewelry store deliberately misled me into signing up for the credit account by misrepresenting the terms of the financing plan. I had no idea that interest would start accruing before the XXXX period was over. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigates this matter and takes appropriate action against Comenity Bank and the jewelry store for engaging in predatory lending practices. Additionally, I request that Comenity Bank rectifies this situation and reverses any accrued interest and fees that were wrongly applied to my account. 

I appreciate your attention to this matter and look forward to hearing back from you regarding the steps that will be taken to rectify this situation. 

Sincerely,
Consumer complaint received 2024-04-24
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. (MA)

I recently looked at my credit report ( Account # XXXX ) and noticed it was not accurately being reported. It shows one late payment on ( XX/XX/21 ) which in FACT was paid on time. The reporting agencies are required to report information with complete accuracy. Ive attached a copy of my report of this complaint on the following date ( XX/XX/21 ). Am asking for full investigation with verifiable proof, and records that show I had a late payment on ( XX/XX/21 ). If this information can not be verified I demand the late payment on ( XX/XX/21 ) to be updated to Paid immediately. 

Thank you so much for your understanding and prompt action.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (MD)

I was the victim of identity theft. Per FCRA section 605b that the 3 bureaus are required to delete any item listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information in my credit report. 

XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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. (LA)

Dear Experian I would like a reinvestigation on following data furnishers XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX  Account  XXXX  dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigationXXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX  Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigationXXXX XXXX XXXX  Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PR)

I have tried to put a security freeze and Clarity does not let me, it tells me that it needs more information, I attach said information to see if in this way they comply with my request and my right. My address is on my phone bill attached.