davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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)

Im submitting a complaint to you XXXX  to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (MS)

ATTENTION TO PNC BANK, XXXX, XXXX, and XXXX This complaint is in reference to a PNC BANK auto loan that has been tendered and paid in full but is reporting discrepancies to my credit report and also not reporting that the account has been paid in full Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to PNC BANK, XXXX, XXXX, and XXXX written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX, XXXX, XXXX and also PNC BANK should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus and PNC BANK. All the credit bureaus are reporting different dates of accounts being open, different loan balances, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. PNC BANK is reporting Late Payments from XX/XX/XXXX up until XX/XX/XXXX. These late payments are reporting to XXXX, XXXX, and XXXX with discrepancies, they all report different information, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with PNC BANK that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report on my credit file. PNC BANK can't disclose my information and the credit bureaus can't report it. They both owe for compensation. PNC BANK also has remarked my credit report with a REPOSSESION/REDEEMED note and it is reporting on all three credit bureaus also in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6802 disclosure of personal Information, also subject to {$1000.00} fine for violation of my rights. It is unlawful and they are in violation of invading my rights and I am invoking my right to opt out of PNC BANK disclosing my information under 15 USC 6802. I am also invoking my right to opt of XXXX, XXXX, and XXXX reporting my personal information also under 15 USC 6802, as in credit utilization and payment history, which is inaccurate falling under 15 USC 1681. I have a suffered behind these unlawful acts by PNC BANK, XXXX, XXXX, and XXXX as it has impacted my credit score unlawfully and needs to be. resolved immediately by removing the information from the credit report and also cease the reporting.
Consumer complaint received 2024-05-08
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report Immediately.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has both ACH and wire transfers in the same location on their website which is extremely confusing for the consumer when they make transfers. On Tuesday XX/XX/year> I went into my online banking to make a {$57000.00} Wire transfer to purchase a home. Once I completed the transaction I looked at the receipt provided and saw it was sent as an ACH transfer. I immediately called Bank of America and informed them that I wanted this transfer to go through as a wire, not an ACH transfer, and asked why it was sent as an ACH transfer and I was told because I didn't select " same day '' transfer. How is the consumer supposed to know that a same-day transfer means wire and next-day transfer means ACH? I immediately asked them to cancel the ACH transfer because the title company can only accept Wire transfers. They told me that they were canceling the transfer and the money would be back in my account the same day or by XXXX XXXX  the following day. The following day ( XX/XX/year> ) I checked the bank and my money was still not showing up in my account so I called in and spoke with 4 different representatives and was told by 2 of them that the transfer was rejected and the other 2 told reps informed me that Bank of America canceled the transaction which now only adds to my confusion. I am now being told that I won't have my money for 1-3 business days. I explained to them that these funds were being used to purchase a home and that the funds had to be transferred today to the title company in order for me to close on the home. Bank of America 's response was everything is electronic and there is nothing we can do about it. I believe as a consumer that is completely appalling that a bank can have such a confusing online banking transfer system and then when a consumer clearly makes a mistake and the bank can see that the bank still has the consumer 's money on their side would make a consumer wait 3 business days to get their money back. I don't know what else to do because I may lose out on purchasing this home because Bank of America won't release my funds back to me and saying I have to wait to get my money back that Bank of America has. I spoke with the escrow officer and the title company and explained to her what is going on and she told me that this is the second time this situation has happened to her clients within the past week dealing with Bank of America
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I have a prior complaint with Experian and as part of trying to resolve that CFPB complaint, Experian sent me a copy of my credit report because they would not take the info I sent them through the mail, even though I sent them all required items ( because they are trying to put me through XXXX to correct report ). I then followed the instructions in the report they sent me and wrote in area of disputed items why I was disputing and then used the online option to send back disputed claim.. However, in another attempt by Experian to put me through XXXX and not take my dispute, the website kept throwing out my submission. Therefore I can not submit online. CFPB quit XXXX around with these people and charge them with not adhering to fair reporting laws!!!!! I hear alot of people are going through the same thing I am, ENOUGH IS ENOUGH!! Also there has been a freeze request that was not adhered to.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/year> I wrote XXXX requesting reversal of XXXX 's detrimental submittal to credit reporting bureau Experian and perhaps others that I was one month late in paying this card. The delay was not my fault as I set up auto-pay of the total balance due for this card as I have done for all my other accounts for which the funds should have been withdrawn on time. Instead, the system delayed the withdrawal. This has never occurred on any of my other accounts all of them and always withdrew on time and immediately after I set up the autopay. That Comenity took too long to withdraw should not be a detriment to my credit. As soon as I received notice that the payment had not been made on-time, I paid the full balance due on the Comenity XXXX card site, which indicates my responsibility to timely pay my accounts. Until this time, I have never had a detrimental reporting to a credit bureau. 
Comenity denied my request to reverse, so this detrimental reporting is still on on my Experian and perhaps other reports.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-05-09
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. (NY)

I reviewed my credit report recently and I noticed there were multiple inaccuracies. 

I contacted XXXX, XXXX, and Equifax via telephone and by mail to dispute these unauthorized accounts.

US Department of Education US Department of Education US Department of Education Dept of ED / XXXX 15 USC 1681 section 2, states I have a right to privacy regarding financial information.

According to my credit report, these entries related to these student loan accounts violate my rights to privacy. I would like to draw your attention to the Gramm-leach -Bliley Act, which mandates the protection of consumer financial information held by financial institutions. The inclusion of inaccurate student loan information on my credit report not only violates privacy rights but also potentially violates the provisions of this Act.

15 USC 1681 section 2, also states a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme frustration and outrage regarding the presence of a fraudulent account on my credit report, as reported by your bureau. This account, referenced as XXXX, is blatantly fraudulent and has been acknowledged as such by the associated company, which has already taken steps to remove it from their records. Despite my repeated efforts to have this fraudulent account removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed this fraudulent account from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. I want you to remove this account from my report : XXXX XXXX
Consumer complaint received 2024-05-05
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. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-13
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. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-05-05
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. (SC)

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 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (MD)

A letter with an unknown person name was sent to my address regarding a claim Of identity theft and a XXXX letter regarding a closed account. The credit card XXXX XXXX XXXX /XXXX  XXXX XXXX
Consumer complaint received 2024-05-05
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. (SD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Would buying the vehicle I was told that my payments would be reported to all three credit and it has not been I called the company asked if I can get any paperwork reporting my payments to my credit and they told me no when I have over a XXXX score on the other two platforms and this one I don't and it is really hurting me to move forward with my life
Consumer complaint received 2024-07-08
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)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-04
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)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you 1. XXXX  XXXX XXXX XX/XX/XXXX - {$920.00} 2. XXXX XXXX XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2022-11-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX  credit report.. attached is the evidence clearly supporting that!! Only a XXXX person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!