davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I requested my Chex Systems consumer report because I keep being denied for bank cards at XXXX due to a past deliquent checking account in 2020. Chex states they report information from the past XXXX  years states No information found. I dont know how that is possible if I have multiple bank cards, credit cards, etc. I need them to provide me accurate/updated information. I called in and the agent also stated there is no info and no freeze. 

Consumer ID XXXX Agent name : XXXX, customer Phone call time XXXX EST
Consumer complaint received 2022-12-27
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-30
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. (FL)

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Bureau Name : TransUnion Bureau Address : XXXX XXXX XXXX XXXX, CA XXXX I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX, Account XXXX XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

- [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX  XXXX XXXX  XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b . - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b. - [ ] XXXX XXXX XXXX on XXXX : This inquiry had not permissible purpose to be on my report .Delete this inquiry due the violation of 15 USC 1681b.
Consumer complaint received 2024-07-26
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. (GA)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-12-22
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. (TX)

I recently pulled my credit reports and noticed a number of inaccurate, invalid, incomplete, and unauthorized accounts listed on my credit report and file. My information was included in the XXXX Data Breach as well as the XXXX and Experian data breach. I am in the process of getting a mortgage and these unauthorized accounts are ruining my reputation with the banking system. I Need these unauthorized accounts removed immediately. I sent XXXX, XXXX, and experian a letter disputing these accounts more than 30 days ago and they have been ignoring my letters. I know that per federal law the credit reporting agencies MUST respond within 30 days and it's been more than 30 days since they received my letter and haven't responded. These accounts listed on my credit report MUST be ACCURATE as well and they are not. this is UNFAIR and severely damaging my reputation. REMOVE ALL INACCURATE, INCOMPLETE, AND UNAUTHORIZED ACCOUNTS IMMEDIATELY!!
Consumer complaint received 2023-12-22
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (MD)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Please investigate the following accounts and remove them I disputed an account that was listed on my credit report. The account in question is a loan that I do not have. I have never had a loan with the XXXX of Virginia, and I have never been in arrears on any loan. I provided Equifax with documentation to support my claim, but my dispute has not been resolved. 

I am concerned that Equifax is violating my consumer rights by not properly investigating my dispute. I am also concerned that Equifax is not complying with federal and state laws. 

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I also have the right to have the information removed from my report if it is found to be inaccurate. 

The FCRA also requires that consumer reporting agencies investigate all disputes promptly and thoroughly. Equifax has not done this. I have been waiting for over 30 days for Equifax to investigate my dispute, and I have not received any updates. 

I am also concerned that Equifax is not complying with Virginia state law. Virginia law requires that consumer reporting agencies notify consumers of any proposed action to report negative information to a credit bureau. I was not notified of the proposed action to report the inaccurate loan to my credit report. 

I am demanding that Equifax immediately remove the inaccurate loan from my credit report. I am also demanding that Equifax investigate my dispute promptly and thoroughly. 

If Equifax does not comply with my demands, I will be forced to take further action, including filing a lawsuit.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

There was a dispute entered on XX/XX/2023. The results came back as the XXXX account balance being decreased and closed. As a result the credit score dropped. The credit should not have dripped based off the XXXX student loan being decreased and closed. A relresentive dejected this information after I questioned why the credit score dropped based of the XXXX XXXX XXXX. The representative also replaced this information with placing dispirited as modified without my permission or knowledge. I demand the credit to go back to the original score. Deleting information off the credit should be noticed and action shiujd be taken.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IL)

My whole identity and information was and has been comprised for years and I found out this XXXX and have been actively trying to reach out to multiple banks to close these accounts as well as remove the fraudulent information from my credit. I contacted discover in XXXX and they had closed the fradulent accoutlnt and it was removed from my credit for a month but they put in back. The fradulent activity was already proved to not me mine and it should be removed permanently.
Consumer complaint received 2023-12-22
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. (TX)

These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report. 

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

To Whom It May Concern, I am writing to express my profound dissatisfaction and anger with Venmo 's disgraceful handling of my account and the funds therein. As a renowned e-payment company, Venmo 's treatment of new users like me is utterly appalling, disrespectful, and unjustifiable. 

On XX/XX/XXXX, I created a Venmo account and received funds from a buyer, as my PayPal account was not working. This transaction was straightforward and legitimate, reflecting the hard work I put into my business. Later, I attempted to transfer these funds to my bank, which appeared to be processing until XX/XX/XXXX. However, to my shock, the money never arrived in my bank account. Instead, my Venmo account was suspended without any warning or valid explanation, and my bank transfer was canceled. 

What followed was an infuriating experience with Venmo 's support team. Despite numerous emails and attempts to understand the reasons behind this suspension, I received nothing but robotic responses, devoid of any genuine assistance or transparency. The lack of communication, transparency, and cooperation from Venmo 's support team is absolutely unacceptable. My money, which I worked hard for, is now unjustly held XXXX for 180 days. 

Venmos conduct in this situation is not only disrespectful but also raises serious concerns about their business practices. It is disgraceful for an e-payment company of your stature to treat new users in such a dismissive and unjust manner. Holding my funds without providing a clear and valid reason is nothing short of theft. 

I demand an immediate resolution to this issue. My funds must be released and transferred to my bank account without further delay. I expect Venmo to address this matter with the urgency and seriousness it warrants. Failure to do so will leave me with no choice but to escalate this complaint to higher authorities and consider legal action to recover my hard-earned money. 

I trust that this issue will be resolved promptly and my funds will be returned to me without further delay. Venmo 's current approach is completely unacceptable, and I urge you to rectify this situation immediately.
Consumer complaint received 2023-12-22
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. (AZ)

I was contacted by some creditors via phone call, after some investigation i found out my ex wife had opened some accounts under my name. I contacted my ex wife and she admitted to opening accounts without my knowledge. This is identity theft and the accounts on my credit report are fraudulent.
Consumer complaint received 2023-05-01
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX BANK XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX. XXXX & XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$480.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I looked at my credit report back on XX/XX/2024 and noticed somethings are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures assure maximum possible accuracy of the information concerning the individual at whom the report relates. These accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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 2023-12-22
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXG XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXE XXXX XX/XX/XXXX XXXX XXXXE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (NY)

Hello, I have been receiving several debt collections from TRS stating that I have a balance to pay to XXXX XXXX. I have never used XXXX nor do I have an account with them. 

Thats, 's not a valid debt but, I am tired of receiving so many debt collections emails, that I don't know.
Consumer complaint received 2024-05-01
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)

I have contacted Equifax to let know that these accounts are not mines XXXX XXXX XXXX accounts are not mine and don't belong to me. I am noticing that there is personal information that is incorrect on my credit report and I have asked them to remove the wrong personal information of my credit report as of XX/XX/XXXX it has not been done. At this point if the CFPB can't help me I will be filing for Litigation and taking further legal actions as I have filed police reports, FTC reports and sent in other fraudulent evidence legal documents and there has been no action taken especially. 15 U.S Code 1681 c-2 A Consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies infuriation that results from an alleged identity theft not later than 4 business days after the date of receipt. I have reached out multiple times and the credit bureaus are now in VIOLATION because I am a victim of identity theft and I am claiming fraudulent accounts were open in my name without my CONSENT. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. CODE 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reporting unless the following circumstances and no there. ( 2 ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agony WRITTEN CONSENT torpor anything on my consumer report which violates my rights as a federal protected consume. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Also for the Stress, Discomfort Cider Denials and Headache I as requesting that Equifax Issue me a {$2000.00} Check to my Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX within 15 working days or I will File for Litigation because I have evidence from them that states that the 2 XXXX Accounts were deleted from my credit reports when they were not. 

Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} The following Inquires are Fraudulent on my Equifax Report as well XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX 

I am advising Equifax to take this matter very serious as I am not Playing around anymore with them I will be hiring an Attorney in 15 days if nothing is not done.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report related to an account. Despite numerous attempts to rectify this matter, I continue to face obstacles in achieving a resolution. I first became aware of the issue when reviewing my credit report. The account in question, which is inaccurately reported as being opened late, has caused substantial damage to my credit score and has negatively impacted my financial standing. Since the initial discovery, I have made several attempts to correct this error through the established dispute resolution process. Despite my best efforts, the corrections have not been reflected accurately on my credit report. The persistence of this error is not only affecting my creditworthiness but is also causing undue stress and inconvenience. I believe it is essential to rectify this matter promptly to prevent any further harm to my financial standing. I kindly request the following actions be taken : A thorough investigation into the inaccuracies related to the late open account on my credit report. Prompt correction of the erroneous information on my credit report. Confirmation of the resolution and an updated credit report reflecting the accurate information. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to an accurate and fair credit report. Failure to address and rectify this matter in a timely fashion may compel me to take legal action to protect my rights. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$13000.00}.