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

I refinanced my  XXXX   XXXX   XXXX   XXXX   XXXX  .That was financed with  XXXX   XXXX   XXXX  in XX/XX/XXXX .In  XXXX , I fell on some hardship after maki ng 26 cu rrent/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in betwee n jobs.I mad e a payment in   XXXX  .That was n't updated to the Credit Bureaus that    XXXX   XXXX   XXXX     reports to.One  of the criteria for   XXXX   XXXX   XXXX  agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .  XXXX   XXXX   XXXX  .is  reporting my account as a  120 da ys past due in    XXXX   XXXX   XXXX  When  I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX   XXXX  which  took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the C RA manual in which the current  status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.  XXXX   XXXX   XXXX  has  a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as to maintain its accuracy. Their prior cur rent status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus : TransUnion, and  XXXX .
Consumer complaint received 2022-11-28
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX, XXXX. XXXX XXXX : {$0.00}
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX, XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ' XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$740.00} XXXX XXXX XXXX XXXX  .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXX XXXX Date filed XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX ' According to FCRA XXXXection 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.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (CA)

I went to car dealership and ask them to run my credit report for one lender, however I have multiple inquiries without my consent. In accordance with FCRA section 611, these companies violated my right to privacy and my consumer rights! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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)

I noticed certain accounts on my consumer reports which are fraudulent accounts and i never gave them consent to furnish any information on my consumer reports if i did show me our contract that i have signed with a wet signature that i gave you permission to furnish information on my consumer report please delete these inaccurate and fraudulent accounts from my reports. I have disputed 3 times before and why arent these errors addressed or fixed since you have failed multiple times i need all these accounts deleted i have included all XXXX different disputes sent and received by your agents all tracking numbers are going to be provided in the evidence as well. So did you not receive my letters dated XX/XX/XXXX? 

Also dated XX/XX/XXXX? 

Also sent another letter dated XX/XX/XXXX? Did you not receive my letter with all the errors circled in red? I also outlined all the errors and incomplete data that you dont have to furnish this account 100 % accurately so delete the below accounts or i will have to seek legal remedy and i am trying to resolve this outside of litigation / and or arbitration so delete and remove these accounts that are hurting my credit XXXX XXXX numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ' XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX XXXX... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX XXXX number : XXXX XXXX : XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (SC)

XXXX Bank. 
I contacted XXXX Bank to setup savings account. I provided all information necessary and they flagged my account for not being able to validate address. Once utility bill was provided they flagged account again because I changed my name ( marriage ). Followed up again, to setup account and they denied me because their system can not verify my identification. This is after I submitted SSN, SSN name change form, utility bill, drivers license, and other personal information. 

In review of XXXX Bank, other consumers have had the same issue where they collected personal information and did not notify consumers of valid reason of application status. I dont even have a status of approved or denied.
Consumer complaint received 2023-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

I just received an alert that a new account was added to my credit reports as a collection from a place I never received any type of notice from nor am I aware of this debt. They have caused a decrease in my XXXX XXXX and it is damaging my credit to where it's causing harm to my profile and may prevent me from receiving new credit. I don't feel this company is even authorized to collect or bonded in the state of Texas and may have just found info anywhere and places it on my credit. Nothing is verified nor did I receive any type of notification regarding this info in which they have placed on my credit reports.
Consumer complaint received 2022-11-21
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. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2017-05-05
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. (CA)

XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they m ay be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted i n a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against   XXXX  , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.
Consumer complaint received 2017-05-05
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. (FL)

I have a charged off account with  XXXX   XXXX   XXXX   XXXX . I contacted them to pay this balance and they told me I could not. That they had cancelled the debt and there was no balance to pay. Acct  Number   XXXX  I disputed this with   XXXX   and Experian to remove the balance and the balance remained after the debt. My  credit score is  being artificially lowered by a balance that I can not even pay.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

equifax handle this problem XXXX  bank i have no relantionship with at all and XXXX should only be on my report XXXX  not the XXXX times it is reporting when i called up girl who i talked to said she was going to take care of them abd still nothing
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Yes I opened an account at wells Fargo Bank with A fairly Large Cashier 's Check in the amount of. XXXX dollars the only large withdrawal I made was in the form of a cashier 's check for the amount of XXXX dollars. I did withdrawal another XXXX from the account which left me a balance of XXXX. All of the sudden I am receiving a letter that my account was being closed. Their is no way in God 's Creation this should have happened. The dates I am referring to are from XXXX XXXX to XXXX XXXX. These are the dates I can remember. I did go into the bank and inquire about this but never received an answer nor was I shown and withdrawal receipt that this money was taken out of my account. The Wells Fargo manager supposed to start an investigation but I was never informed of the results nor was the missing money returned to me or proof provided I authorized and further transactions.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called the XXXX Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I received the credit collections call, they said I have unpaid bill, based on their information, I checked the violation number and license number, they are both NOT mine! The NAME is NOT mine, the LICENSE PLATE is NOT mine, the ADDRESS is NOT mine, the VEHICLE is NOT mine! 
Then I called XXXX about they gave the collection the wrong persons information and they confirmed they have withdraw that. 
HOWEVER, the CREDIT COLLECTION SERVICE continued giving me calls, asking me to pay debt, and my credit score did not go up at all! Each time I called them, they said they already withdraw it, but nothing reflect on my credit score, and they keep calling me for debt! This hurt my reputation!
Consumer complaint received 2024-03-26
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), 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 creditor. I hope these disputed account are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX