davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

My Best Buy account was hacked and a was purchased and shipped XXXX XXXX XXXX XXXX XXXX Tx. XXXX My address is XXXX XXXX XXXX XXXX, Ga XXXX don't know anybody in Texas. Best Buy tracked the delivery and send the information to me. They also emailed me about changes made to my account when the hack happen. Best Buy wanted me make to pay unto investigation was complete. Afterward they said the item was delivered to me.
Consumer complaint received 2024-05-11
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. (PA)

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts have inaccuracies regarding reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-11
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. (IN)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The account came back verified and updated however no changes were made to my account. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please update this account immediately as paid on time.
Consumer complaint received 2024-07-27
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (LA)

Experian the company has been harassing me for months now every time I try to cancel my account they make it to where I can not. I sent everything in to verify my identity multiple times. They still have not deleted my account. I have sent them all the info and request to delete my account to cancel all the digital checking and fraud will alerts I have 45 days still on my fraud alert. I do not mind that I went with a different company I want nothing to do with Experian anymore they are a horrible company there's something wrong with their support team. They sound like XXXX they most likely are. I've been trying for the longest to update info and cancel my account with them they make that very difficult and as soon as I sent the info into update my account I called them verified everything and went through the whole process again. They made sure that I was verified they said I was verified they escalated the situation and still they're asking me again to do the same thing over again. At some point it seems like it's just their support team is doing this to pretty much be criminals they're taking the data and selling it on the dark web instead of protecting you from they don't really monitor it they just make sure that they monitor themselves from getting caught by selling your data. All I wanted was to update my account they put me through XXXX I want nothing to do with experian anymore they are a horrible company. I sent my info through the mail fax I do not trust it but I did it and still again to this day after they said they updated everything they still want me to do it again I'm not sending my entire life information over again because some fake scam email their whole company is a scam. I can not stress how horrible they are. Do not trust them. Thank you be blessed
Consumer complaint received 2024-05-11
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed XXXX {$10000.00}.
Consumer complaint received 2024-05-11
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. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

US Banking regulations prohibit the holding of funds deposited from a US Treasury issued check for more than XXXX hours, regardless of amount. On XXXX I deposited a check from the US Treasury. 50 % of my check was withheld. 

on XXXX I requested the funds be released in accordance with US banking regulations. USAA denied the release and insists on holding the US Government funds until XX/XX/23. 

I advised them of the US Banking regulations and gave them reference to show government issues funds can not be held and they refused to release teh funds.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-11
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : - DEPT OF EDXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$510.00} XXXXXXXX XXXX XXXX Balance : {$4000.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX. XXXX  Account Number : XXXX Date reporting NOT Accurate XX/XX/2023 - XX/XX/2023 - XX/XX/2023 : Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Consumer complaint received 2024-05-10
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. (OH)

THE CREDIT BUREUAS HAVE VIOLATWD MY RIGHTS WILLFULLY I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per1 5 USC 1681c-2 these
need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not able to access by credit report through XXXX, nor through any of the consumer reporting agencies ( XXXX, Equifax or XXXX websites give me an error message and will not let me access ). I would like to receive my consumer report ( s ) by mail. I am a victim of identity theft and I have not been able to review my consumer report on a monthly basis since XX/XX/2023.
Consumer complaint received 2024-05-11
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-10
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)

How is Transunion able to verify the accounts when other consumer reporting agencies like XXXX can not? I sent Transunion a dispute some unverifiable information from my report and they are refusing to comply. This violates the Fair Credit Reporting Act as consumer reporting agencies MUST be fair and equitable. The information goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . These are all unverifiable and I demand that they are deleted or I will seek legal action. See attached supporting exhibits.
Consumer complaint received 2024-08-09
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: EQUIFAX, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report, which I can not explain. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a glitch, but the unauthorized inquiries remained. Please thoroughly review the documents I've provided to resolve this issue and put my mind at ease.
Consumer complaint received 2024-08-09
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. (NY)

Its been over 30 days and the creditor XXXX XXXX XXXX Account # XXXX has not updated the information nor has provided proof or documentation in regards to late payments they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I am a victim of identity theft as a result of a data breach from XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-07
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. (AR)

Today, I am filing a case against the XXXX and Transunion Credit Bureaus for violations of the Fair Credit Reporting Act or FCRA, Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate information in my credit file. I am not satisfied of what the XXXX and Transunion Credit Bureaus reported some inaccurate information in my credit file. I found out some inaccurate inquiries and I never upheld these all, For this reason, I want you to help me delete these inquiries in my credit file : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX Inquiry : XXXX. XXXX, 2023.
Consumer complaint received 2024-05-11
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. (VA)

I would like to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$9800.00} Please confirm the information shown in this account is 100 % accurate or delete this account information from my credit report because I believe it may be erroneous. 

XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} Study the comments, payment status, and creditor. I need assistance in verifying these data so approach with importance and if fail to do so should result in a complete correction or deletion for this account. 

Lastly, I did not authorize the inquiries below. Please REMOVE it ASAP! 

XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Date XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX  XXXX and Inaccurate Credit Reporting by XXXX XXXX  Dear CFPB, I am writing to file a complaint against XXXX XXXX for XXXX  XXXX  of my vehicle and inaccurate credit reporting, which are violations of the Fair Credit Reporting Act ( FCRA ). 
My Vehicle ( XXXX, XXXX, XXXX ) was wrongfully repossessed by XXXX XXXX on ( XXXX ). In XXXX of 2021 I noticed that my account was reporting a past due balance in my XXXX XXXX app. I knew this was inaccurate because I had made multiple payments the previous month so I was actually ahead on payments. I called XXXX XXXX for weeks with no avail. I then reached out to my financial institute, which was XXXX XXXX at the time. They stated that they had to do a back office investigation to track the funds. The findings were that XXXX had in fact received the funds but upon contact with them, they continually claimed that the funds were not received. My bank advised me to fill out a wrongful debit form and be refunded, which I did and I still have the documents that were sent to the bank. Less than a week after the XXXX XXXX XXXX released my funds back to my financial institution. Months later I received notice that I was to be included in a class action suit, XXXX XXXX XXXX XXXX XXXX CASE NO : XXXX. XXXX  was subsequently found at fault and ordered to pay damages. 
Despite this, the XXXX is inaccurately reflected on my credit report ( s ) as a negative account. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( e ) ( 1 ), which requires credit reporting agencies to ensure the accuracy and completeness of information included in consumer reports. 
Furthermore, the XXXX notice lacks important details or misrepresents the reason for XXXX, it is a violation of 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that credit reporting agencies furnish reports with a clear and accurate explanation of any negative information. As a result of these violations I have been denied extensions of credit on multiple occasions. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX corrects the inaccurate information on my credit report in accordance with the FCRA. Additionally, I request that the CFPB determine if the credit report furnished by XXXX XXXX  regarding the XXXX  adheres to the FCRA 's accuracy and completeness requirements. 
I have attached copies of the following documents for your reference : Proof of on-time payments made before the XXXX ( e.g., bank statements, cancelled checks ) Documentation showing the excess funds recovered by your bank Proof of participation in the class action lawsuit against XXXX XXXX Copy of my credit report showing the inaccurate XXXX information Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX