davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-01-20
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. (FL)

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

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 an 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 or 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 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
Consumer complaint received 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-06-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

In XX/XX/2022, Citibank closed my bank due to fraud concerns. They gave me no explanation or contacted me before closing the account. I have several accounts with other banks, I have no idea what those fraud concerns would be. 

When they closed the account, they sent me a letter saying I would receive a check with the funds in my account as of closing in XXXX to XXXX  days. More than XXXX XXXX  have passed and I have not received any of the funds in my account. I keep calling their customer service and they say they are following up but still no response as to the whereabouts of my money.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Without fail, I've maintained timely payments on this account, avoiding any instances of overdue status. I'm unsure as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, these should be addressed.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.
Consumer complaint received 2024-03-22
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. (FL)

I am writing to dispute certain accounts listed on my credit report, which was reported by your credit bureau. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent behavior- The bank has committed to removing this from my records. Please ensure it is eliminated. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. Consequently, I did not receive any correspondence regarding this debts and was deprived of the opportunity to dispute it. Reporting this account to your credit bureau without my knowledge or consent constitutes a violation of the law.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

sent letters out to the credit bureaus Experian, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX still no reply. Its been over 90 days. please delete and remove what hasnt been verified. 

XXXX XXXX XXXX verify the debt XXXX XXXX XXXX verify debt XXXXXXXX XXXX account paid, creditor agreed to completely remove. 

XXXX XXXX XXXX- account paid, creditor agreed to completely remove.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am a victim of identity theft and my FTC paperwork is not being processed properly by the credit agencies when I am submitting disputes to remove the accounts. I am also not getting copies of the verification process according to the FCRA.
Consumer complaint received 2023-04-17
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. (MI)

Once again, this is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items I found being reported on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} US DEPARTMENT OF EDU XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2018-10-29
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: BARCLAYS BANK DELAWARE (NV)

I have a hard inquiry from Barclays bank on XX/XX/2018 but I haven't applied for any credit cards or loans with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report.
Consumer complaint received 2024-03-22
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX XXXX  XXXX - Account # : XXXXXXXX XXXX XXXX XXXX - Account # XXXX  XXXX XXXX  : XXXX  All of these account are reporting a lot of inaccuracies The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times 30/60/90 Days Late is reporting inaccurate/ misleading XXXXMonth 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.
Consumer complaint received 2023-06-08
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. (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc (CA)

Hello, I am here to complain about Chime Stride National Bank customer service. I wanted to talk about my dispute case. I lost a lot of money due to fraudulent transaction I opened up a case in XX/XX/XXXX and then it got closed out within 3 hours and I called them again to request for the documents of my closed case and why was it closed. They said I had to wait 10 business days meanwhile I reopened up the case again and they said the investigation will be solved on or before XX/XX/XXXX and they will provide me provisional credit on XX/XX/XXXX. However, they closed out my case again on XX/XX/XXXX saying no error occured and then I called and sent a email to them requesting for the documents they used to close out my case. Now I reopened my case again on XX/XX/XXXX requesting documents for my bank statement history, specific reason why they closed out my account, and documents of why they closed out my previous case.
Consumer complaint received 2023-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : CAPITAL ONE ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION (TN)

bbt pulled my credit 3 times XX/XX/2018, XX/XX/2018 and XX/XX/2018 without my authorization which affected my heath credit. I need them to pull all those hard inquires from my score
Consumer complaint received 2023-10-11
Product: Credit reporting 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: EQUIFAX, INC. (UT)

XX/XX/23 I checked MyEquifax.com signed in and requested a copy, I was given the message. " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX ( XXXX ) '' XX/XX/23 I called and went through an automated machine, then I went to a customer rep and they made me take a picture of my ID, front and back and a selfie and then denied me of a report until they can verify me. Yet everything was working fine months ago. I was asking for a report because a credit card was denied based on something on my report.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX  has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. Capital one has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE GAAP principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX XXXX  bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX  thats attached to the VIN # and they have not made one single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX  nothing, they owe me and I am going to file the taxes on this CUSIP. I will be puttingin a XXXX report for a full forensic audit on this account.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review