davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (IN)

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.

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 informationisinaccurate.
Consumer complaint received 2024-04-25
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 pulled my credit reports and noticed a mysterious collection account from XXXX XXXX that has never been verified or validated. I complained about this reporting once before that I have never received any notice at all which would have allowed me to dispute this debt I allegedly owe. XXXX and XXXX claims this debt was investigated and accurately verified but both failed to present to me or forward to me the proper procedure that was used to verify this account as accurate. As I write this, I still have not received anything pertaining to this debt they claim I owe which is in violation of FDCPA Section 807 ( 11 ) & Section 809 ( a ) ( 1-5 ) for failing to have any initial contact with me ( written or verbal ) before reporting this erroneous information on my credit report. With this negative reporting on my credit profile, it is really hindering me and my family from progressing.
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (TX)

I closed my account and they kept allowing transactions to attempt withdrawals and I was charged NSF fees. 
I complained and said the account has been closed. They didnt care and let the account go negative over {$700.00} in fees then wanted me to pay them back for the bank fees. I refused so I was reported to XXXX XXXX I couldnt open an account with any bank for over a year. 

This occurred in 2011 I believe. 

Account name 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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-25
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 filing this complaint against XXXX and Trans Union. I just filed one with XXXX XXXX because I thought they weren't updating their files or the account on my credit report since I paid them off in XXXX of XXXX, but I noticed XXXX XXXX has been showing as settled with a {$0.00} on XXXX since XXXX of XXXX. I can't be sure if XXXX XXXX only updated my XXXX report, or if Trans Union and XXXX were notified and they just didn't update their records. But since I am noticing another XXXX of my debts which shows as {$0.00} and paid off on XXXX since XXXX as well which would be the XXXX XXXX XXXX XXXX, and not on XXXX and Trans Union, then I believe its XXXX and Trans Union which are not doing their job. I need them to remove these accounts from my credit report now since they are clearly sabotaging my credit report. It is unlikely 2 different creditors only updated their info with XXXX. It is more likely that XXXX and Trans Union are simply not doing their job and correcting my report like they should be. Even more so since I called XXXX XXXX on XX/XX/XXXX and I let them know they needed to fix this. 

I now need them to remove these accounts from my credit report since they have been wronging me since XXXX of XXXX
Consumer complaint received 2024-04-25
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.

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 informationisinaccurate.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NV)

XX/XX/XXXX. XXXX. I WAS LOOKING AT SOCIAL MEDIA AND COMPLETELY FORGOT ABOUT CHIME PREPAID CARD BECAUSE I HAVE BEEN DOING MY IDENTITY THEFT ISSUES REPORTS FOR SO LONG ON A DAILY BASIS ON MY XXXX XXXX XXXX AND MY TWITTERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH MY BIRTH LAST NAME XXXX XXXX XXXX. I COMPLETELY FORGOT TO KEEP UP WITH MY REPORT WITH THIS COMPANY BECAUSE I TRIED TO CANCEL THIS ACCOUNT AND I WASN'T ABLE TO. IT'S UNDER MY BIRTH NAME XXXX XXXX XXXX AND I OPENED IT AROUND XXXX LIVING AT THE XXXX XXXX BUT I WASN'T ABLE TO CANCEL THE ACCOUNT AND I NEED YOUR HELP TO GET RID OF THIS 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. (CA)

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 2024-05-22
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. (NY)

Im in disagreement with the account listed below, which still appears on my credit report even after your investigation I would like this item immediately reinvestigate, the inaccuracies are highly injury to my credit score. XXXX XXXX XXXX account number XXXX in accordance with the fair credit reporting act public law 91506. Title Vl, section 611. Please provide the names and businesses address of each individual with whom you verify the information. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-04-25
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. (OH)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I've reached out to Experian and XXXX about reporting inaccurate information and sharing my information to outside sources. They are in violation of the FCRA which says If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages. Also 15 U.S. Code 1681- Congressional findings and statement of purpose states. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the late payment reporting on my credit report associated with XXXX XXXXXXXX ACCNT # XXXX XXXXXXXX for the dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Upon calling XXXX XXXX directly. Their records did not match that information. 

I firmly contest and request these entries as inaccurate and invalid information. 

According to the Fair Credit Billing Act, privacy and consent exclusion specified under Section 15 USC 1666 b This transaction does not need to be reported.

Thank you for your prompt response and resolution towards this matter.
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights ; Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-03
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. (NY)

This is my fourth 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 Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, and I am submitting this CFPB complaint to contest the fraudulent items that are listed on my credit report. Upon receiving a recent copy of my credit report, I was alarmed to discover the existence of several accounts that I neither opened nor have any knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not initiate the opening of these accounts nor did I authorize anyone else to do so on my behalf. I firmly believe that this is a case of identity theft, and I am currently taking the necessary steps to report this matter to the appropriate authorities. I kindly request that you provide a written response regarding this dispute and inform me of the outcome of your investigation. Additionally, I would appreciate it if you could furnish me with an updated copy of my credit report once the fraudulent items have been successfully removed.
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC has a collection on my credit report. 

I am not liable for this debt with LVNV Funding LLC. I don't have a contract with this collection agency. They did not provide me with the original contract as requested.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of ID Theft for several years Since I was in the military and XXXX overseas. I noticed several public record items on my credit report. I was sure that they did not belong to me. After several communication with the XXXX XXXX XXXX XXXX XXXX. It was determined that I was a victim of Identity Theft. They were very gracious in helping me resolve these issues. XXXX and XXXX showed me great customer service and removed the items immediately. Trans Union has been very difficult to work with. I am asking that they do not continue to treat me as a criminal and provide me with an accurate credit report to reflect my financial character. Please see attached document from the XXXX Bankruptcy XXXX XXXX XXXX. My consumer rights are being violated. Each time I disputed these items, Trans Union responded that the XXXX XXXX verified as accurate. This a false statement. Again please see attached documents from the XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

In reviewing my credit reports, I noticed a collections account from Jefferson Capital for a XXXX XXXX account that is not mine. The original creditor listed is XXXX XXXX. The amount shows as {$2100.00} I have no knowledge of this account. I have never had an account with XXXX XXXX. Upon contacting XXXX, they confirmed that they have no account associated with my name, phone number, or address. This is clearly an unauthorized and fraudulent account. 

I contacted Jefferson Capital and disputed this collection account. They have failed to provide validation of the debt and have not removed it from my credit report. 

This inaccurate information is damaging my credit score and ability to obtain credit. I am requesting that the CFPB immediately open an investigation into this fraudulent account and require Jefferson Capital to validate the debt or remove it from my credit report. Please also require the credit bureaus to delete any reference to this unauthorized collection. 

I have attached copies of my my correspondence with XXXX XXXX, and my dispute letters to Jefferson Capital as evidence. 

Thank you for your assistance in resolving this matter. Please let me know if you need any additional information from me. I look forward to your help correcting this unlawful entry on my credit file