davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.
Consumer complaint received 2024-04-25
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. (VA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (FL)

XXXX XXXX  I paid off all credit card debt. XXXX and experian reflected XXXX XXXX balance but never updated my credit scores. I have requested my score and can not get it updated. I now as of today gave 11 account less then XXXX debt and my credit score is not being updated. XXXX is the only one that has reflected a current credit score. 
I want my credit score update and a copy of my credit report.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts XXXX XXXX XXXX - # XXXX Has several late payments. It as well should not have any late payments attached to a charge off account because charge accounts are late default. 


XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX XXXX- Please update the late payments to pays as agreed Please send verification when these accounts have been updated
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

American Express offered me a new card, a XXXX credit line, and no interest for 18 months. I accepted. Charged XXXX to the card. Am Ex immediately canceled the card, requested payment in full, and locked my other two AmEx cards until I paid the balance, which has nothing to do with my other cards ... .... After paying off the XXXX, which was demanded immediately, unlike the original offer, they increased my available credit on another card I have with 20 % + interest. 

Bait and switch at its finest. Offer credit, take it away, require immediate payment and then offer credit at 20 % +. 

This has got to be an absolute dishonest practices at best, illegal according to the Attorney I have contacted.
Consumer complaint received 2024-09-19
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. (GA)

I noticed that certain items are incorrect and need to be updated or deleted. XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX  Balanced XXXX XXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXXXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXXXXXThis account is reporting inaccurately please remove the late payment.. XXXX  XXXX XXXX Balanced {$0.00} This account is inaccurate please delete. XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I filed a complaint with CFBP against EXPERIAN : COMPLAINT ID # XXXX. On XX/XX/XXXX XXXX XXXX  I received from Experian a notice via email : they threatened me that they will lift and remove the freeze from my account that I requested during XX/XX/XXXX from the three credit reporting agencies who issued the freeze on my account. Exhibit A. 
First, Experian reduced my scores by XXXX points three times. Now Experian threatened me that they will lift and remove the freeze on my account : Strangely, Experian requested items from me regarding my personal information, otherwise they threatened to lift and remove the freeze from my account. But my personal information in the three credit reporting companies is accurate! There is no issue with my personal information! See Exhibit A. 
On XX/XX/XXXX XXXX XXXX I was deposed in a court case : XXXX XXXX XXXX # XXXX. During XXXXXXXX XXXX in the mixed of Covid 19, I received phone calls from representatives of three banks who notified me that my information was used to obtain an unlawful {$300000.00} loan under my name, and my information was found on XXXX. I told them that I never requested any loan, and I never obtained any loan in my entire life. I was advised by the three banks representatives : to call the credit reporting companies and immediately freeze your accounts. My account has been frozen since XX/XX/XXXXXXXX XXXX 
During XX/XX/XXXXXXXX XXXX I notified the Judge who presided over my case, Judge XXXX XXXX that my personal information in my XX/XX/XXXX deposition-transcript was used to obtain a fraudulent {$300000.00} loan under my name. I also filed Motion in front of the Judge that addressed this issue. 

IF EXPERIAN WILL CARRY OUT THEIR THREAT TO LIFT - REMOVING THE FREEZE ON MY ACCOUNT : EXPERIAN SHOULD BE 100 % RESPONSIBLE FOR ALL THE DAMAGES DUE TO LIFTING - REMOVING THE FREEZE ON MY ACCOUNT!
Consumer complaint received 2024-04-25
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. (LA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
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: Experian Information Solutions Inc. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-11-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

Caliber recently mailed a letter to my co-borrower, XXXX XXXX, only. I did not receive a copy. What was contained in that letter? Why was it sent? Caliber refuses to provide me a copy. Please provide me a copy.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (MO)

All experian does is lie lie lie lie lie lie lie lie lie lie lie, can't view its a ploy AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-09-18
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-04-12
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. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check this accounts ( A ). It is unacceptable to list this accounts as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I recently noticed an error on my credit report regarding my XXXX  loans. The report inaccurately states that a payment was late, despite my records indicating otherwise. I have the necessary documentation to support my timely payments and plan to dispute this discrepancy with the credit reporting agency to rectify the mistake promptly.
Consumer complaint received 2023-12-11
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my report.
Consumer complaint received 2023-12-11
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00}.
Consumer complaint received 2023-12-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (GA)

Westlake Portfolio Management and Westlake Finance violated law 15 USC 1692c ( a-c ), and 15 USC 1692g ( a-b ). By furnishing my credit report without my written consent of validation of the debt and communication with me on XX/XX/ 2023, the Consumer sent over debt valuation and cease letter where there was no response from either company. They continued to send bills to my mailbox and communicate via telephone and email as the consumer is on the DO NOT CALL list for the stated of GA. 15 USC 1692k speaks about damages of XXXX per violation and does not call Civil penalties of XXXX per federal violation and XXXX for state violation If this is not handled with care the next step will be to pursue A federal court case for the violations
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (FL)

on XX/XX/2023 i sent a dispute to Experian to verify a collection account that i have any knowledge in regards to. They have yet to process my request and I have given them different calls. It is past the 30 days that i understand they are allowed to process.
Consumer complaint received 2024-04-25
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. (IN)

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 2023-08-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Data Search NY, Inc. (TX)

Data Search, which as far as I know from what theyve told me, is a debt collection agency. they have continuously contacted me about medical debt after several attempts to have them stop. the last call I received a male was using harsh language and threatened to call my mother. I believe this is a violation because my mother doesnt need to know about my personal debts as I am an adult, and it felt extremely childish.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

THE FCRA 15 usc cod1680 I 5 and 1666b the unlawful use without my consent. All negative items should be removed immediately. Also they allow creditors to resubmit items after 7yrs.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : Experian : 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 2023-12-11
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: Experian Information Solutions Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Consumer complaint received 2024-08-27
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance Owed : {$890.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX