davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

I made a CFPB complaint ID XXXX in regards to LexisNexis having incorrect information on my crfedit file. LexisNexis keeps playing thios I can not identify you game. I am in the process of being pre-approved to buy a home and this is hendering my process greatly. Me and my family are in the process of being homeless as I can not get the correct reporting from LexisNexis whom is also verifying incorrect information to XXXX XXXX and XXXX. I have attached my original complaint with my identification. Please respect my consumer rights. LexisNexis has reported information on me that is false and does not belong to me. Including addresses and names that are not myself. This information has been used to open accounts that were not approved by me. Incorrect Addresses : 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. ( Names ) : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ( PHONE NUMBERS ) XXXX, XXXX ( EMAIL ) : XXXX, XXXX, XXXX. All of this information hs been reported by LexisNexis and violated meand allowed fraudulent accounts to be opened without my permission. I have filed a Identity theft report or al ; of this fraudulent information.
Consumer complaint received 2023-12-26
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 am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Transunion is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Two years ago I was contacted by midland credit about several debts in my name that I hold no knowledge of the accounts were opened shortly after my apartment was broken into in XXXX in XXXX XXXX Ga. I have absolutely no knowledge of these accounts and want this removed from my credit I have disputed these accounts several times with no luck now I am being threatened with a lawsuit for something I know nothing about
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I have sold my property and am closing on XX/XX/27. Rocket Mortgage has called me several times trying to convince me to obtain another mortgage. The initial call indicated that they had " seen '' that I was looking to make a purchase. That is a lie and is based on the assumption that if I am selling one that I must be buying another. The most recent call said that they were calling to see if I could get a better deal on my existing mortgage. When I said that it was being paid off next week, the caller aggressively interrogated me about why I wasn't making another purchase. She asked me why I was renting and " what it would take '' to get me to make a purchase. 

It's none of her business, but one of the things I mentioned was the market being poor for real estate right now and she responded by saying that real estate investments would earn more than current interest rates. I then asked her if she was a registered investment adviser to which she responded that she was very knowledgeable about real estate. 

I have received multiple calls now from Rocket Mortgage, two of which questioned my decision not to purchase real estate and asking me " what it would take ''. Even though I told the first one that I was not going to be in the market for at least a year, I have received additional calls. These seem like inappropriate and aggressive sales tactics. Because the same tactics and phrases were used by multiple agents, this is not an isolated bad actor.
Consumer complaint received 2023-09-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I received and offer to spend {$1000.00} and get XXXX power points, that's is {$100.00} reward. Called and was given different reasons why has not been posted one reason was, American Express needed to credit the account. Called last time and was told I got XXXX miles but needed to be used within the year and lost it. I have made a purchase of a XXXX computer for {$1200.00}, that would entitle me to get the {$100.00}. Other cards I also have offered comparable reward including, America Express XXXX XXXX and XXXX XXXX XXXX  XXXX. I wrote a letter on XX/XX/ and was ignored. Wrote my last letter to Bloomingdales on XX/XX/XXXX  and the same thing ; silence and ignored again. My last letter I wrote in answer to " another offer '' of {$75.00} for spending {$2000.00}. This is a marketing gimmick and prompted me to write back and ask again for what it was promised to me and not delivered.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (AR)

For well over a year now I have called XXXX about my credit history. I have no credit never used my credit. Now that I need to get credit I can't because of someone else 's accounts placed under my information.
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, a Federally protected Consumer, have contacted the companies and credit reporting agencies several times via USPS mail in regard to reporting inaccurate information on my consumer reports to no avail. These inaccurate inquiries are effecting my Rights and lending power. According to the Fair Credit Reporting Act 15 USC 1681 inaccuracies should be removed after an investigation of at least 30 days, I have contacted these companies including the credit reporting agencies starting in XX/XX/XXXX and there are still reporting inaccurate information on my report. I have even opted out which is my right to do so according to 15 U.S.C. 6802, 16 CFR 313.1-2, and The Privacy Act of 1974.

There are still several addresses on my report and there is only one address that is deliverable to me by the USPS this needs to be resolved immediately.
Consumer complaint received 2023-09-02
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. (FL)

I sent a letter off on XX/XX/2023 to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to any third party party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-04-26
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. (TX)

It appears my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. 

Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (TX)

It appears my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. 

Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (AL)

I appreciate your quick action and effectiveness in updating/correcting some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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 2023-12-26
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$9900.00} ; XXXX XXXX
Consumer complaint received 2023-09-02
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2023-12-26
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. (TX)

I am a victim of identity theft, I Sent all 3 credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need help
Consumer complaint received 2024-04-22
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. (TN)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (TX)

I am submitting this CFPB complaint to express my extreme dissatisfaction with the presence of erroneous account and information on my credit file, and to demand that they be corrected immediately. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to the fullest extent of the law. It is completely unacceptable that the Credit Bureaus has allowed inaccurate and false information to appear on my credit report, damaging my credit score and potentially affecting my ability to obtain credit or other financial services. Despite my repeated attempts to have these errors corrected, the Credit Bureaus have failed to take action, causing me significant frustration and inconvenience. I need the Credit Bureaus to immediately correct the account off of my Credit File : I demand that the Credit Bureaus immediately remove all erroneous account and information from my credit file, and take all necessary steps to ensure that they do not reappear in the future : XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against Jefferson Capital Systems Resolved Debt Reappearing on Credit Report Dear CFPB Representative, I am writing to formally lodge a complaint against Jefferson Capital Systems concerning a fraudulent debt that has reappeared on my credit report despite being resolved and confirmed as such by the original creditor, Affirm, due to identity theft. 

The initial complaint number submitted to CFPB regarding this matter is XXXX. 

Background : XXXX. Initial Fraudulent Debt Report : The debt in question was originally reported by XXXX. After a thorough investigation, it was determined that the debt was a result of identity theft. 

XXXX. XXXX by XXXX : XXXX acknowledged the fraud and, in the most recent communication dated XX/XX/2024, explicitly stated that the debt would be removed from all credit reports and no longer be reported. 

XXXX. Reappearance by Jefferson Capital Systems : Despite this resolution, Jefferson Capital Systems has reported the fraudulent debt again on my credit report. 

Applicable Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of information resulting from identity theft upon receipt of appropriate proof from the consumer. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Jefferson Capital Systems actions XXXX also be in violation of the FDCPA, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt ( XXXX XXXX. XXXX ). 

Details of Complaint : XXXX. Date of Most Recent Communication from XXXX : XX/XX/2024 XXXX. Summary of XXXX : XXXX confirmed that the debt was a result of identity theft and assured that it would be removed from all credit reports. 

Attached are copies of all relevant documentation, including the most recent communication from XXXX confirming the resolution of the fraudulent debt. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my credit report is accurately and fairly represented. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-26
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)

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. 

has violated my rights. Or a list of inquiries : 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC. (TX)

XX/XX/ I received an email from Frost bank saying account was registered. And debit card is on its way. After an hour I received a call from Frost bank asking did I open an account with them and I said no. They asked me to complain in this website regarding this issue. And also they said they closing the account. 
But I think my email is comprised. I been getting activation links from different companies. More than 15.
Consumer complaint received 2023-10-06
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. (SC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX