davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-21
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. (NM)

Thank you for addressing the erroneous entries on my credit report. However, there are still items that need to be removed. This new request highlights the impact of incorrect credit information on my file. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided I submit : ( XXXX ) Appropriate proof of my identity ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) Identification of the disputed information ; ( XXXX ) A statement declaring that the information is not related to any transaction by me. The following items are inaccurate and need to be removed from my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ========XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX If you claim these items are accurate and verifiable, please provide copies of any documentation associated with these items that bear my signature, as I believe none exists. When no such signed agreements are found, please remove these items from my file. I am aware that non-compliance with the FCRA statute is common. If my request is ignored, I will refer this matter to my attorney. I urge you to resolve this without escalating to a legal dispute. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Consumer complaint received 2023-08-25
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. (NJ)

I had a credit reporting service from XXXX for XXXX months. I cancelled it in XX/XX/2023. They cancelled it but they have my CC # listed in full on my account. I want this information taken off my account. They do not need this information since the service was cancelled. They say they can't do this because it is hard to do. I want it off my account since I no longer have the service and anyone can get this information and hackers can get my CC information. Please instruct them to remove this.
Consumer complaint received 2023-09-01
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. (PA)

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 2024-05-21
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)

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 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 remove these files. 
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
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (TX)

Dear THE BUREAUS Dispute Department, I am writing to dispute the accuracy of a collection account listed on my credit report. I have recently reviewed my credit report and found an entry that I believe to be incorrect. I am requesting that this account be removed from my credit report. 

Disputed Account Details : Creditors Name : XXXX  XXXX  Account Number : XXXX Date of Account Entry : XX/XX/year> Reason for Dispute : I have no knowledge of this debt, The account information is incorrect. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Therefore, I kindly request that you investigate this account and remove it from my credit report if it can not be verified as accurate. 

Please conduct your investigation and update my credit report as necessary within the time frame required by the FCRA. 

I would appreciate written confirmation of the outcome of your investigation and any changes made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-22
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. (GA)

Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (LA)

I received an email today from Edfinicial Services. It said I owed money on XX/XX/XXXX. I have never received any email from them about my account prior to this. I was aware that my student loan was going to be taken over by another company but have yet to receive an email from the new company. I tried calling the phone number provided and it said I entered an invalid social. I tried going to the website and it said I had the incorrect information. The email I received also had a snippet that gave awareness about emails from scammers. Oddly enough the email address it came from was NOT one of the emails listed for where I would receive emails from.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-21
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. (CA)

I've submitted proof of my time being incarcerated I've Dispute Unauthorized Accounts and Request for Investigation under 15 USC 1681 et seq. I am writing to dispute unauthorized accounts and inquiries on my credit report due to identity theft. I request an immediate investigation and correction of my credit file under the Fair Credit Reporting Act ( FCRA ) and relevant XXXX Code sections. I recently reviewed my credit report and discovered several inaccuracies that do not belong to me, indicating I am a victim of identity theft. The following accounts and inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

15 USC 1681b ( c ) : This section outlines permissible purposes for accessing consumer reports. The unauthorized inquiries on my report violate this statute as they were not made with my consent. 

15 USC 1681g ( a ) ( XXXX ) : This section requires that I am provided with all information in my file at the time of the request. The existence of these unauthorized accounts and inquiries indicates that my file contains inaccurate information. 

15 U.S.C. 1028A : This statute provides for penalties for aggravated identity theft. The presence of fraudulent accounts and inquiries on my report suggests a violation of this law. 

15 USC 1681b : Access to my credit report must comply with permissible purposes. Unauthorized access constitutes a breach of this section. 

15 USC 1681 : The general provisions of the FCRA ensure the accuracy and privacy of consumer information. The fraudulent activity on my report contravenes these principles. 

15 U.S. Code 1681c2 : This section specifically addresses the blocking of information resulting from identity theft. I request that you block and delete all fraudulent information promptly.Requested Actions : Conduct a thorough investigation into the unauthorized accounts and inquiries listed above. 
Remove all fraudulent accounts and inquiries from my credit report. 
Send me a copy of my updated credit report reflecting these changes. 
Provide written confirmation of the results of your investigation and the steps taken to correct my report.
Consumer complaint received 2024-05-21
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (MO)

This fraudulent despicable company closed another complaint without addressing the issue and giving explanations that are ridiculous AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Dear Wells Fargo Customer Service, I am writing to formally address a serious concern regarding unauthorized fees and services that I understand may have been in my name, including credit monitoring services that I never agreed to. I have been a loyal Wells Fargo customer, and I am deeply troubled by the violation of my rights as a consumer. 

It has come to my attention that there was a settlement regarding XXXX XXXX unauthorized accounts and service practices, which affected numerous customers, including myself. Despite being aware of the settlement, I have yet to receive any compensation or restitution for the unauthorized accounts and services that were opened in my name without my consent. 

As a long-standing customer of your bank, I trusted Wells Fargo to handle my financial matters with the utmost integrity and transparency. However, the unauthorized opening of accounts and services, including credit monitoring, without my explicit permission has breached that trust. 

To resolve this matter, I respectfully request the following : 1. **A complete investigation** into the unauthorized accounts and services opened in my name, including any credit monitoring services.

2. **Compensation** for any fees or charges incurred due to these unauthorized accounts and services and the restitution due under the terms of the recent settlement.

3. **Confirmation** that all unauthorized accounts and services have been closed and removed from my records without negatively impacting my credit report or financial standing.

4. **Assurance** that such practices will not occur again and that my account will be protected from any unauthorized activities in the future.

I trust that Wells Fargo will take immediate action to rectify this situation and ensure that my rights as a consumer are fully respected. Please respond to this letter within 15 business days to confirm receipt and provide an update on the steps being taken to address my concerns. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 



XXXX has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals XXXX years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the Equifax credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of XXXX 's business, which involves handling sensitive personal credit information
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is the follow up complaint. When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-07-13
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX Partial Acct # XXXX ....
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This is concerning the collections account with XXXX XXXX XXXX. Account was involved in litigation. Case number : XXXX XXXX. XXXX was dismissed on XX/XX/2023. This collections account needs to be removed from credit report.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (IL)

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 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 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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 2024-05-21
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. (MO)

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 XXXX party. They in fact did not come from a XXXX 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.