davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I applied for a car loan with a credit union and was denied due to so called unpaid deductables which went to collections without my knowledge. i viewed the report at the credit union and found several variations of my name which were incorrect. I established a account with Experian and requested access to my credit report and they could not confirm my identity. My credit reports do not show up on XXXX XXXX experian only for XXXX and XXXX but Experian is blank. I have been on the phone with experian every other week for the past 3 months and never get a follow up phone call or email with results. When I speak to some one each time i call there are rarely notes left in the system of past conversations and progress. I was instructed to fac in a copy of my drivers license and social security card and was confirmed it was received back in XXXX and no corrections were ever made and correspondence from Experian. i feel like this is being done on purpose or no actual follow through with there staff could you please contact me and let me know what the next steps are. i am ready to take legal action next XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-01
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. (CA)

I looked at my report back in XX/XX/year> and noticed some things 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 to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX  XXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into this matter
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

For over The past few years, I have tried correcting the information showing on my credit reports. Its stating that it was discharged in bankruptcy. It was not a discharge. They were included in the XXXX XXXX and they were paid through the XXXX XXXX. By them stating it was discharged, its showing as if they were never paid and its derogatory on my credit report and harming my credit. Impacting my ability to purchase a home and my credit score. 

This is the US courts definition of just charge and this does not apply to me! 

XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (GA)

XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report
Consumer complaint received 2024-04-30
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)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (AZ)

On XXXX I tried to sign up for a new checking account at www.chime.com After completing the entire process I received a message telling me that they couldn't create an account and customer service wouldn't be able to help me any further. 

The application process required I provide my social security number, date of birth, mailing address, full name, phone number and email address. 

Following their instructions, I called XXXX and was asked to verify my social security number, date of birth, mailing address, full name, phone number and email address with " SIX '' different representatives. I was told that I needed to email XXXX for additional help. 

I emailed XXXX 6 times and was delivered the same message I originally was given when my account couldn't be established. Different members from the support department at XXXX were simply copying and pasting the same message back without answering any of my questions for help. 

I called XXXX again and spoke with 3 different supervisors and a department manager. Since an account couldn't be created for me and no one was able to help, for some reason, I asked to have my personal information deleted from their software systems. 

I was told they couldn't help me, even after they keep asking for my SS #, etc. 

All I want is to be sure that my personal information IS REMOVED from their systems. 

By law, they are supposed to have a data retention policy. They were unable to provide me with any additional information and kept telling me to email XXXX. 

The email responses are ALWAYS the same message without any explanation and no one at the company is willing to help ensure that my personal information isn't going to stay with this company, who has refused to provide me with ANY account access to see or manage my information. 

This is unlawful, breaking several US banking laws! 

Please advise.
Consumer complaint received 2023-09-18
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)

XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report
Consumer complaint received 2024-05-31
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 found out the creditor didn't give the required XXXX 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 2024-07-21
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. (WI)

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My information was compromised during the Equifax Data Breach. I attempted to have falsely reported information removed on XX/XX/2024 by contacting the company directly. XXXX XXXX has yet to remove the data being reported to multiple CRA 's in the amount of {$25000.00}. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted a complaint regarding my identity theft claim on XX/XX/2024. I received a response from the credit bureaus stating that they will not comply with section 605B ( 15 U.S.C 1681 C-2 ) which states that they are to BLOCK these fraudulent accounts off of my reports within FOUR days of receipt of the letters that I forwarded to them via CFPB. I have not seen any change to my credit report.
Consumer complaint received 2024-05-31
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)

This is the filling of my complaint to TRANSUNION. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per XXXX U.S.C. Area XXXX and XXXX XXXX. Segment XXXX A Part XXXX, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the XXXX  report to support my complaint with the XXXX report number XXXX.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

While recently relocating and subsequently attempting to apply for health care, I discovered that Experian has two addresses on my report ( which XXXX also uses for identity verification ) that are NOT addresses in which I ever resided near or in. I suspect somehow my identity and information may have been compromised at some point, but I only discovered this in XX/XX/year> while applying for health coverage through XXXX XXXX and my rental applications.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, Chase Bank closed both of my credit cards, without notice, due to too many other new accounts opened. I called the bank and was told that there was nothing that could be done and the decision was final. I've never missed a payment, keep my balances low or at {$0.00}, and have had an account with them for four years ( one of my oldest cards ). All I want are my accounts reopened.
Consumer complaint received 2024-04-29
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)

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-22
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)

I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to BE BLOCKED AND DELETED from the Company Transunion LLC : XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX DOB : XX/XX/year> XXXX I have mailed a copy of my affidavits to each company!
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: Experian Information Solutions Inc. (CA)

" Your agency is in violation!

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX  {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX  - XXXX {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX - XXXX {$390.00} XXXX XXXX - XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$570.00}
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

i requested that my monthly statement be ebilled so I am not charged a new instituted monthly statement mailing fee. they said they can not make the change to ebill to avoid the fee ... because the account is closed ... which i did to avoid a new 2 % monthly promo fee.
Consumer complaint received 2023-10-26
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-05-12
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. (IA)

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, XXXX, and Experian have failed to address these inaccuracies. 

Fraudulent accounts include XXXX XXXX  ( {$670.00} ), XXXX XXXX XXXX XXXX  ( {$790.00} ), XXXX XXXX XXXX XXXX ( {$3100.00} ), XXXX XXXX XXXX  ( {$700.00} ), XXXX XXXX ( {$3500.00} ), and XXXX XXXX ( {$1200.00} ). Fraudulent addresses : XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

Fraudulent inquiries : 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 actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have no knowledge of a debt from XXXX XXXX XXXX XXXX. I've never been involved with this company I have no clue what this debt is. Under FCRA guidelines this account needs to be removed from my credit file. 


Company : XXXX XXXX XXXX XXXXXXXX Remove this collection account from my credit report