davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

O n   XXXX   XXXX   2016 ma iled  3  forms to all  XXXX  bureaus   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  Trans Union   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2  forms of ID and a Utility bill. I have reviewed my credit report and found information and accounts that I do not recognize tha t may be   a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1  ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it  ) you have on file of the account ( s )  listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately.   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  UNVERIFIED BANKRUPTCY  XXXX   XXXX  CT  XXXX  UNVERIFIED BANKRUPTCY I have not received any corresponding mail from  XXXX  or Transunion regarding my request to To verify That these accounts belong to me.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX admitted to making a mistake after my account was closed 1 year later. One year after the account was paid in full, the company sent late payments to the bureaus. I called the company and the manager stated that she called the bureau and the bureau told her there is nothing that she can do but that I had to file a dispute so that XXXX XXXX could remove the late payments.
Consumer complaint received 2024-03-22
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. (CT)

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 2023-11-22
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. (FL)

XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record XXXX XXXX XXXX XXXX Inquired on XXXX record unti XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/ I had sent over a letter disputing three accounts that Transunion is reporting as alleged debt. 
Tracking number XXXX It is now XX/XX/ and no disputes have been open since point of contact and no further investigation has been made.

There are several USC codes that are being violated and are subject to fines. I will now have no option but to pursue legal remedies and report to the FTC, CFPB, and XXXX.

15 USC 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable investigation when they receive a dispute from a consumer regarding the accuracy or completeness of information in their credit report.

15 USC 1681i ( b ) : It states that credit reporting agencies must notify the furnisher of the disputed information about the consumer 's dispute within five business days of receiving it.

15 USC 1681i ( c ) : This section requires credit reporting agencies to provide consumers with written notice of the results of the investigation within 30 days of receiving the dispute, including any changes made to the information on the credit report as a result of the investigation.

15 USC 1681i ( d ) : It stipulates that if the consumer 's dispute is deemed frivolous or irrelevant, the credit reporting agency has the right to decline an investigation, but they must notify the consumer within five business days of making that determination.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

Per the Data Breach settlement, my information was compromised my Social Security number, account information, and personal information were intruded. The data breach incident has led to the inclusion of erroneous information in my credit report, which does not accurately reflect my financial standing. I am requesting that all data related to this breach be removed from my credit report immediately as it is not a true representation of my credit history. 

Furthermore, I would like to bring to your attention the laws and regulations that support my request for the deletion of these files. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In cases where the information is a result of identity theft or a data breach, consumers are entitled to have such information removed promptly. 

I urge you to investigate this matter thoroughly and take the necessary steps to delete all erroneous data related to the data breach intrusion from my credit report as soon as possible.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2022 I paid {$150.00} deposit for an item which full price was {$490.00} on an product which had not been manufactured yet. I purchased the item from an on-line store XXXX XXXX XXXX. The payment was made via a Visa card through CapitalOne. 

The manufacture of the product did not have the item manufactured until XX/XX/2022. On XX/XX/2022 I contacted the store I made the deposit payment to, too send me a bill for the balance owed to complete the purchase. I made multi attempts to contact the merchant and XXXX XXXX XXXX did not respond to my multi messages so I contacted CapitalOne and opened a dispute with this merchant. 

I submitted a document with all information showing how this merchant has taken my {$150.00} and stopped responding to me about the product I had paid a deposit for. 

CapitalOne has refused to refund my {$150.00} and has let the crooked merchant keep the money.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Americas Car-Mart, Inc. (AL)

I tried to trade my car in not being informed the worth of the car until I started looking at something new. My car value is {$2000.00} and they want me to pay {$22000.00} with {$820.00} a month on this car. I only had the car for two months
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) XX/XX/XXXX
Consumer complaint received 2023-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I have contacted Experian numerous times in ref to a membership I never signed up for and cant get canceled. I have attempted to file several disputes regarding issue. 

Experian has been charging me XXXX a month since XXXX XXXX I am requesting immediate cancelation and refund of all monies received since XX/XX/2018 I am preparing to take this matter to court if we are unable to come to a resolution.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

On XX/XX/XXXX I requested a copy of my LexisNexis consumer report, after receiving and reviewing my report I noticed various inaccuracies with my personal information listed, on XX/XX/XXXX I mailed a dispute letter directly to LexisNexis asking them to fix this inaccurate information, it is now XX/XX/XXXX and I still did not receive a response from LexisNexis.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I 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, who's studying XXXX XXXX, helped me out by 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 if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to report a serious matter of identity theft and potential fraud involving an unauthorized inquiry on my credit report. After thorough investigation and communication with my bank, it has been confirmed that no such inquiry was initiated or authorized by me. 

Upon discovering this discrepancy, I promptly contacted my bank to verify the details of the inquiry. However, they informed me that they have no record of any such inquiry and that it was not initiated by their institution. I have also attempted to communicate with TransUnion through written correspondence, but I have encountered difficulties as the inquiry potentially has been made over a year and can not be removed without a report/written communication. 

Following a discussion with TransUnion representatives, I was advised to file a fraud report with your agency. I understand that this report will serve as authorization for TransUnion to take the necessary steps to remove the unauthorized inquiry from my credit report. 

In light of the potential risk to my financial security and the importance of maintaining the accuracy of credit reports, I kindly request your immediate assistance in addressing this matter.
Consumer complaint received 2023-12-11
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: GOLDMAN SACHS BANK USA (TX)

I have provided Apple Card / GS Bank USA documentation as supporting documents for proof of identity but the company instead of closing the fraudulent account, they used the supporting documentation I provided to update their information with the credit bureaus and match my information to the fraudulent identity theft account they have in place. 
I demand an immediate close of this account and to send me document letter prove that the account have been closed and stop reporting on my credit report and take it down off my credit report.
Consumer complaint received 2023-05-20
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. (NC)

I tried to resolve the wrong and incorrect information on my credit report ; I call the companies and credit agency fraud identity theft departments for TransUnion, XXXX, and XXXX credit agencys to dispute and remove hard inquiries do to identify. Filed claim with FTC and submitted dispute to all three credit bureau only one has process my dispute which is XXXX the other two showing investigating complete when no investigation was done and nothing was removed or resolved from TransUnion or XXXX. The following inquiries are showing on my credit report do to identify theft need to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-03-22
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. (NY)

Someone has stolen my identity. I have never done business with XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX has provided me validation of these accounts. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

It is illegal to furnish history transactions without written consent. It is a violation of privacy. There is a need to ensure that the Consumer Reporting Agencies defined as ( CRA ) exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, Equifax and XXXX are all Consumer Reporting Agencies. I am defined as the consumer. Being the consumer I am exercising my right to privacy. 
XXXX XXXX XXXX is defined as a Finacial institution under title 15 USC 1801. I do not and will not give consent written or unwritten, verbal and non-verbal consent to any Finacial institution or ( CRA )
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (GA)

Charles Schwab has closed my account by a " business decision ''. They said I can no longer have account with them at any point of time during all my life. I can't even have international account open. I am a US resident and don't have any finacial or law issues.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB : Credit bureau Transunion allegedly verified all accounts positive and adverse within my credit reports as " accurate '' in year XXXX and part of XXXX. A complaint was filed and some of the negative information was deleted. However, Transunion has failed to comply with request after request to update several accounts to positive or delete the accounts since the alleged accounts were " verified '' under a different consumer 's name. 

After failed attempts to resolve this matter with Transunion, I respectfully submit a request here asking you to notify Transunion to remove the following accounts that were " verified '' as " accurate '' during their investigations for over a year now. 

Please update 1 : XXXX XXXX XXXX # XXXXRemove late remarks and update the account to a positive status. 
2. XXXX XXXX XXXX This account was never late and was paid in FULL. Please remove the derogatory status off this account. 

Failure to comply, we will seek monetary damages of {$1000.00} per the FCRA against your company for the willful and negligent reporting of my information under another consumer 's name ( XXXX XXXX XXXX. 

I am attaching supporting documentation to support this claim. We also seek a resolution to matter to be concluded within 15 days. No exceptions. 

Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2023-11-22
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. (MI)

I've had XXXX hard inquiries that were not authorized by me on my Trans Union credit score from XXXX ( XXXXXXXX XXXX ) on the following dates : XX/XX/2023, XX/XX/2023, XX/XX/2023. 

I have never had any type of credit card or account through XXXXXXXX XXXX, nor have I applied for any new credit cards through XXXX. These inquiries were never authorized by me.
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: EQUIFAX, INC. (TX)

This is my first endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX