davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

Fraudulent Account Possible Financial I send the FTC affidavit with the police reports and this account listed as fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.
Consumer complaint received 2024-04-08
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 AM WRITING IN REGARDS TO THE ERRONIOUS AND INACCURATE ACCOUNTS BEING REPORTED TO MY PROFILE, IVE DISPUTED THESE ACCOUNT LAST MONTH TO NO AVAIL I STILL HAVENT HEARD ANYTHING FROM THE COMPANIES IN QUESTION WHICH CONCERNS ME ABOUT THE CONSUMER LAWS THATS NOT BEING GOVERN THAT THESE COMPANIES SWORE TO ABIDE BY. UNDER 15 USC 1681 ( CONGRESSIONAL FINDINGS ) CLEARLY SAYS THAT ALL INFORMATION REPORTED MUST BE 100 % ACCURATE AND ITS NOT.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-03-16
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)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-04
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: EQUIFAX, INC. (PA)

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, equifax, and XXXX ) refuse to remove bankruptcy on all my closed XXXX  accounts. They claim the loan provider XXXX  verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX  from XXXX for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK (AZ)

I visited a Hotel called the XXXX in XX/XX/2018, I had an awful time. I called management during and after my stay. I even emailed with a manager, an email thread in which I provided Discover Credit Card. I advised Discover that if the merchant wanted to bill me, they needed to bill me directly, and NOT through Discover as I was NOT authorizing this charge. Discover disputed it, and the company ignored/ took months to get back, and I was recharged because the hotels corporate office claims that there was no record of me complaining, even though there is a clear email thread that I provided to Discover and then Discover provided it to the XXXX/ XXXX. I was recharged in XX/XX/2018, even though I also provided copies and screen grabs and access to my multiple XXXX  complaints against the hotel. I then started new XXXX complaints in XX/XX/2018 which have gone ignored by XXXX XXXX of XXXX and SBE. I have proof that this was ignored, both complaints were sent back to me advising the merchant refused to respond. I've provided this information to Discover Bank who has REFUSED to stand by me as a consumer and I will not stand for this. The credit card has mistreated me and not stood by their word. I got horrible - XXXX and XXXX service by XXXX XXXX XXXX and then my own credit card company is refusing to stand by me and refusing to dispute the charge. The XXXX has refused to even provide a discount. This is unacceptable! Discover is being 10000 % impossible to work with on this matter. 


My XXXX complaints that have been ignored CLEARLY show that the company doesn't act with integrity and with ethics, yet Discover is putting me through all of this.
Consumer complaint received 2023-04-16
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. (WA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-19
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. (ID)

I would like to file a complaint against Experian XXXX for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from XXXX  on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter to XXXX XXXX ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with Experian on XX/XX/2018 ; which was opened on XX/XX/2018 by Experian, after sending the request for validation. I sent all correspondence between XXXX, XXXX and I to Experian, regarding this debt. I also explained in my dispute that I had not received any documentation regarding this debt from XXXX XXXX XXXX, that the debt should be removed from my report based on the Fair Debt Collection Practices Act. 
To my dismay I was notified on XX/XX/2018 I received notice from Experian that my dispute had been processed ; however, there was no change. I then called and spoke Experian regarding this dispute ; the girl who answered told me that XXXX said it was valid so there was nothing she could do. 
My original intent was to file only a complaint with XXXX, but then I was informed Experian had violated my rights as well. It is for this reason I am filing a separate complaint against Experian.
Consumer complaint received 2024-04-08
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have filed sever disputes with XXXX and Equifax who keep verifying the account under false pretense and information. The company XXXX XXXX does not have my address and they are unable to verify my address or information but the credit agency been doing computer generated not using a live person to verify my info. These 2 agencies need to clear this off my report before I file a lawsuit.
Consumer complaint received 2024-04-08
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 recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX a identity theft report with ftc
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NH)

Dear CFPB- I believe American Express is involved in an alleged World-Wide Consumer Fraud ... 

I have been a card member of American Express Optima Platinum since XXXX and have a perfect credit score. On XX/XX/XXXX I was late by ONE DAY and charged {$27.00}. While I am not disputing the late fee, I am disputing the interest rate on future charges ( purchase ). All charges ( purchases ) after XX/XX/XXXX were billed at 29.99 %. Under the American Express Terms & Conditions, no reference is made for this increase on future charges ( purchases ), as indicated below : " Late Fees on Credit Cards and Charge Cards : If you do not pay your minimum payment by the due date, you will be charged a late payment fee of {$27.00}. If you make another late payment in the following six billing periods, your late payment fee will be {$38.00}. Your late fee will not exceed your minimum payment due. For example, if the minimum payment due on your statement is {$20.00}, your late payment fee will not be more than {$20.00}. You may also have to pay interest on any funds which remain unpaid from the previous billing period and your interest rate may increase. '' Furthermore, American Express claims that all payments are first credited to the higher interest charges. This is a false statement and represents Fraud! 

From " XX/XX/XXXX to Present '' I had {$5700.00} charges ( purchases ) and made {$9800.00} in payments. Yet, American Express continued to charge me the 29.99 % on these charges ( purchase ) even though my payments exceeded the charges ( purchases ) ...

This is an unfair, deceptive and misleading business practice that need to be investigated! 

Regards, XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-08
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. (CA)

THESE ACCOUNTS ARE NOT MINE : XXXX XXXX ACCOUNT NO. XXXX BALANCE : {$5800.00} XXXX XXXX ACCOUNT NO. XXXX BALANCE {$24000.00} XXXX XXXX  ACCOUNT NO. XXXX BALANCE : {$0.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint against XXXX, TransUnion, and XXXX for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

XXXX, TransUnion, and XXXX are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more.

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, XXXX, TransUnion, and XXXX are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified XXXX, TransUnion, and XXXX that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, XXXX, TransUnion, and XXXX have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. XXXX, TransUnion, and XXXX have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that XXXX, TransUnion, and XXXX immediately delete this inaccurate charge off from my credit reports. They have 10 calendar days to remove this erroneous account. 

The continued inaccurate reporting of this account is a clear violation of XXXX, TransUnion, and XXXX 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2. 

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

on XX/XX/XXXX  I reported to equifax via myequifax and phone that the addresses on file on my credit report are not mine. i filed a dispute on the same date. today XX/XX/ the investigation results completed but the same address remains on file. my address is XXXX XXXX XXXX XXXX nc XXXX they are showing two addresses that are not mine. i even uploaded a copy of my sscard and drvers license to show this. i am going to a small claims court to sue them if this is not fixed
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I do not know anything about the monies i owe. it was on my credit report. I wrote a letter to company asking them to send me a validation or any contracts i have signed. They did not send me anything but still reported me to the credit reporting companies.
Consumer complaint received 2024-04-08
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. (TN)

I was trying to buy a house and upon that realized i had damages specifically the ones listed below from each credit company, these are damages on my report and according to the 15 u.s.c 1618, I should not have any unauthorized damages on my report, below states each one that is on my credit report. 

TRANSUNION : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-08
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. (TX)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am sending this 14th complaint to you. I am asking that these items I listed in this current complaint and in the complaint dated XX/XX/XXXX, will be removed within 15 days that when I update my credit reports these items will be REMOVED : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX