davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a collection on my credit file that I've disputed about 3 times it gets removed and added back on this collection XXXX XXXX XXXX  in the amount of {$1200.00} doesn't belong to me. I've called TransUnion regarding the inquiry details on my credit file the six inquires doesn't belong to me with are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2017-11-10
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. (AL)

Dear XXXX XXXX Transunion XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has  already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (LA)

In XXXX Ally Financial XXXX, ( Ally ) repossessed by XXXX XXXX. Reported it to all XXXX bureaus as a repossessed auto loan but per the contract information it is a XXXX Installment sales contact Loan. I'm led to believe Ally has made a mistake.
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: Experian Information Solutions Inc. (CO)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

I opened my account after the company offered a cash promotion for opening the account. The company took 6 additional months to pay the bonus. After finally receiving my bonus, I attempted to close my account. I called the customer service line, as well as going into the branch, and was told both times that my account was closed. However, after opening a new account, I came to find that my account was NEVER CLOSED AT ALL. This is very dishonest, and makes me wonder if they are opening accounts that customers did not agree to like XXXX XXXX.
Consumer complaint received 2024-05-21
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. (SC)

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. 

XXXX / XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX, has violated my rights.

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.

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-21
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. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-29
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. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Charge Off on Credit Report - Reference to FCRA Section 611 ( a ) ( 5 ) ( A ) Dear XXXX I hope this message finds you well. I am writing to dispute the charge off that is currently appearing on my credit report. The charge off in question are account number : XXXX, XXXX and XXXX which has been sold to a collector, is causing inaccuracies in my credit history. 

I want to bring your attention to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that if a debt has been sold or transferred to a new creditor, the original creditor must update the account information to reflect that it is no longer their responsibility. Based on this provision, I believe that the charge off should be removed from my credit report as it is no longer the responsibility of the original creditor. 

I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. It is important for my credit history to accurately reflect my financial standing, and the presence of this charge off is misleading. 

Thank you for your attention to this matter. I would appreciate receiving a written confirmation of the resolution once the investigation is complete. 

Should you require any additional information or documentation, please do not hesitate to reach out to me. I am more than willing to cooperate to rectify this situation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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. (MD)

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. Do not confuse me with relatives with the same name or address. Verify all identifying information. Do not confuse me with relatives with similar names or addresses. Verify all identifying information. I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you do not process my letters, you are violating my rights as a consumer.
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: Experian Information Solutions Inc. (PA)

I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refused to fix these issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MT)

my monthly deposited social security was stolen and a fraudulent account at a bank was created using my information I use the XXXX XXXX card social security offers and likely they caused the breach. social security must get back {$1400.00} from this fraudulent t activity. social security paid me {$1400.00} on XX/XX/XXXX, XXXX my check should have been deposited XX/XX/year>XXXX XXXX
Consumer complaint received 2021-01-12
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I was recently informed 60 days ago of negative information reported by [ XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX IL ] included in the file ChexSystems maintains under my Social Security number.I was informed on 60 days ago that the item was deleted from my consumer report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Upon ordering a copy of the report, I found an entry from this bank listing a [ Account Abuse, Overdrawn ] in [ XXXX XXXX, ]. 
I am unaware of ever having a [ Checking Account ] from this [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ]. 
Please validate this information with [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ] and provide me with copies of any documentation associated with this " [ [ XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX IL ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Illionois Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
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: Experian Information Solutions Inc. (FL)

I was trying to rent a house and i realized that i had damages on my credit report according to the ( 15U.S.C 1681 ). Ive Also Paid Off collections that still Havent been removed off my account per Agreement to do so With Hard Inquiries That where made by a Car company i told to Not run my Credit Did exactly what i asked not to do. These companies are Reporting Fraudulent and inaccurate information on my credit report. I have Asked to show full proof of agreement to show ownership of such account and also other documents that could prove that those account belong to me
Consumer complaint received 2024-08-03
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
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: Experian Information Solutions Inc. (CA)

In XX/XX/2023 I contacted XXXX XXXX XXXX regarding a 30 day late payment reported on my credit report to all 3 major credit bureaus in XX/XX/2023. I advised XXXX XXXX XXXX I did not receive a monthly billing statement for my first payment and my account was set up to receive monthly billing statements via mail. I also advised XXXX XXXX XXXX I did contact them via phone regarding my first billing statement and due date but I was told to call back due to some technical issues XXXX XXXX XXXX was having so I was unable to receive any information regarding my account. I later spoke with a XXXX XXXX XXXX regarding having the late payment removed from my credit report due to not receiving a monthly statement via mail, I was denied that request and told I should have downloaded their app for updated information. I spoke with a second representative with XXXX XXXX XXXX who did confirm I should just down load their app and not wait on a billing statement but she did assist me with putting in a request to have the late payment removed from my credit report which was denied. As a consumer I opted in for monthly billing statements which was denied by XXXX XXXX XXXX unlawfully. After a little research I have found XXXX XXXX XXXX has made this a practice to not send monthly billing statements to its customers and force its customers to use their app or website ( which are both terrible ) who have opted in monthly billing statements to be mailed. XXXX XXXX XXXX is deliberately committing these practices while charging late fees and negatively impacting its customers credit for profit. As a consumer I shouldn't be forced to use an app or website. I opted in for a monthly statement to be mailed for my benefit not for that to be used against me.This company is preying on consumers who need help. Please Investigate ....
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In XXXX I made a final payment to the car loan, I made the payment on a Thursday for the full loan amount. At the end of the month I received an update to my credit report stating the loan was paid in full and the account was closed. I also received a letter from the MVA with my title saying that my loan had been reported as paid in full and that lien was satisfied. In XXXX I got a new hit on my credit report stating that I had a 60 day outstanding loan payment. Apparently, the loan payment I had made was not processed until the following Monday, so about XXXX cents interest accumulated to the loan, and for 3 months it sat there and I had no idea since I was told the loan had been paid off already. I have been working with the bank since then to get this taken off my credit report, and nothing has changed. I even had Experian open a dispute with the bank who stated the information on the report was accurate. Now my credit report has the loan on there twice, once as being closed and paid in full in XXXX, and another from XXXX saying the loan was delinquent, and then was paid in full and closed again. As if there were two separate loans. This is dropping my credit score by over XXXX points, even though it is literally the only negative thing on there from the past 20 years, so now its impossible for me to get a good loan because of this. At this point I don't even know what to do anymore about this because nothing is getting fixed.
Consumer complaint received 2024-05-21
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.