davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX  XXXX even had the right person or the proper account!
Consumer complaint received 2024-04-04
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. (LA)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRTITTEN CONSENT TO HAVE THESE UNAUTHORIZED ACCOUNTS AND UNAUTHORIZED HARD INQUIRIES TO BE FURNISHED OR REPORTING ON MY CONSUMER REPORT
Consumer complaint received 2024-09-02
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: CarMax, Inc. (FL)

CARMAX AUTO FINANCE Account # XXXX I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment to my credit report concerning a few late payments on my account XXXX, which has been paid off and closed. 

I have been a valued customer of CARMAX for 8 years and have always aimed to maintain a strong payment history. Unfortunately, due to financial hardship, I experienced temporary difficulties which led to the late payments on this account. 

Since then, I have made every effort to rectify the situation and ensure that all my financial obligations are met in a timely manner. I am pleased to confirm that this account is now fully paid and closed, and I have taken steps to avoid similar issues in the future. 

Given my overall positive payment history and the fact that the account is now settled, I kindly request that you consider removing the late payment records from my credit file as a gesture of goodwill. I believe this adjustment will better reflect my commitment to responsible credit management.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPORTUN FINANCIAL CORPORATION (NY)

I was using a money saving app called Oportun which rounds up my change. Ive had them for about 2 years never had a problem until Sunday XX/XX/year> so since they have no XXXX number I emailed to XXXX after emailing from Monday through Thursday and reading the emails from them 3 different individuals supposedly just kept telling me the same thing its the wrong email Ive sent them every email I had I said this is a glitch fix it gave them 3 documents like they said and still kept telling me its the wrong email. Obviously its a run a round the amount I have in the account is about {$360.00}. Ive sent my drivers license bank account and car insurance ( blocked certain numbers for privacy ) all to theyre email only to get a third person and that was it.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I would like XXXX XXXX XXXXXXXX hold practices investigated. I think their practices may be biased and discriminatory ; intentionally delaying funds availability possibly leading to unpaid items and additional fees. I think BOA should be fined for this unfair business practice. 

XX/XX/XXXX I deposited a XXXX check that I received from my retirement account ( XXXX ). Initially there was no hold placed on the account, however the teller, did advise that the deposit XXXX go through an additional review and a hold may be placed in the account. 

XX/XX/XXXX I received a letter from Bank of America advising a hold was placed on my deposit because they received information indicating that the check may be returned. My deposit of XXXX will be available XX/XX/XXXX by XXXX local time. 

XX/XX/XXXX @ XXXX, I spoke with the branch XXXX, XXXX XXXX XXXX XXXX XXXX ). She read the notice and advised that Vanguards bank gave them this information leading to the hold. She advised me to call XXXX, get verification that the check cleared and I could speak with someone at XXXX, get them the verification and the hold would be released. 

XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX she verified that the {$9000.00} cleared their bank XXXX days ago XX/XX/XXXX. I did a XXXX way call between XXXX and Bank of America ( XXXX ) ( XXXX ) in hopes of getting my funds released since the check cleared Vanguards bank. 

XXXX advised that she cant review my account with a third party on the line so XXXX dropped off the call. I asked XXXX what was needed to verify and release the funds. She placed me on hold when she returned she advised that she would need to escalate this to the internal department to verify my account. They were verifying if Ive had insufficient funds, returned items, XXXX in the last 12 months, and a positive balance in the last 12 months. I asked what that had to do with the hold on my deposit. She advised it would be XXXX hours d escalation. I spoke with XXXX XXXX XXXX, she advised that she was reaching out to the analyst assigned my case but she was unavailable that the case should be reviewed in XXXX hours. XXXX hours is up to XX/XX/XXXX, when the funds should be released. 

As of XXXX est XX/XX/XXXX my funds are still unavailable after XXXX XXXX XXXX XXXX received confirmation from XXXX XXXX XXXX ) that the check cleared XXXX days ago. 
.
Consumer complaint received 2021-04-18
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. (GA)

On or around XX/XX/XXXX, I disputed eight ( 8 ) inquiries ( XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ) with Experian communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. Experian failed to investigate the inquires and delete and remove them as required.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (GA)

Experian is trying to falsely valid fraudulent accounts that have been removed by XXXX and XXXX & closed by companies in question. Ive contacted Experian multiple times within the last month in regard to this issue. XXXX XXXX XXXX have already removed these accounts in compliance with my complaint. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 30 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Included : Identity ( Drivers License And Social Security Card ), Bank Statement, Identity Theft Report ( 2 ), Dispute Letters ( 3 ), Notice of Furnisher, Proof that these accounts were removed by XXXX and XXXX Inlcuding Report Number from CFPB ) REMOVE WITHIN FOUR DAYS OF RECEIPT OF THIS COMPLAINT! ( 10TH ATTEMPT ON RECORD )
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2023 my bank navy federal credit Union denied my fraud claim charges of {$2200.00} [ Incident : XXXX ] and {$270.00} [ Incident : XXXX ]. I never made those charges and I feel as if they never conducted the correct investigation. After that date they had ask me for my identification which I had submitted.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, Dear Sir or Madam : I am writing to dispute This fraudulent charge on my account by -XXXX XXXX XXXX in the amount of {$2300.00} OPENED ( XX/XX/year> ) I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Enclosed are copies of My ID, POLICE REPORT, FTC REPORT, AND FCRA 605B supporting my position. Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I'm demanding proof of the purchase agreement, contract, or promissory note as evidence of indebtedness to continue to report such information to the consumer report. If such proof can not be provided in a matter of 14 days, it's considered identity theft because your company paid for my information which I did not authorize or consent to.
Consumer complaint received 2018-04-27
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. (TN)

My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in 2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX  with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
Consumer complaint received 2023-03-09
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: Westlake Services, LLC (CA)

The dates mentioned I were late in making my payments were incorrect and unverifiable. I never paid late and I was never notified .Please update the payment history immediately for the accuracy of my report. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2021-04-16
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)

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX, Equifax and XXXX  regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX & XXXX XXXX {$96000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-08-23
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. (TX)

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Co
Consumer complaint received 2023-08-23
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. (TX)

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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: WELLS FARGO & COMPANY (GA)

XXXX : Unknown Inquiry XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 Wells Fargo Dealer S XX/XX/2021
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NY)

My credit reports are showing a late payment error from BMW. I never been late on any of my statements with them. This late payment error is bringing down my XXXX  score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (AR)

I am writing to express my continued concern and disappointment concerning the persistent inaccuracies related to a late open account on my credit report, despite multiple attempts to have it corrected. The presence of this inaccurate information is significantly affecting my creditworthiness and financial standing, and I urge you to resolve this issue promptly. 

I have made multiple attempts to have this issue addressed, yet the inaccurate information remains on my credit report. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough review of this matter and take immediate action to correct my credit report by removing the inaccurate late open account. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and up-to-date, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these necessary corrections. 

Furthermore, please ensure that you notify the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. 

The continued presence of this inaccuracy is causing significant harm to my financial well-being and creditworthiness. I trust that you will prioritize this matter and work diligently to resolve it promptly to restore the accuracy of my credit history. I am asking for your assistance to correct this late open account which is being reported in Equifax and XXXX Credit Bureaus : XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2023-01-28
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NV)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NC)

The following accounts are not accurate and need to be deleted immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX