davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several serious violations of consumer protection laws that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance and intervention to ensure that these violations are rectified and to request the removal of unverified accounts from my credit report. 

I have recently become aware of numerous inaccuracies and violations that have appeared on my credit report, jeopardizing my financial stability and personal security. The violations I wish to address are as follows : FCRA Violation - Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The implications of these violations are far-reaching and have caused me undue emotional distress and hardship. To illustrate the impact, I would like to share a personal story : For the past year, I have been diligently working to secure a mortgage for my first home. The dream of homeownership, something I've aspired to since childhood, finally felt within reach. However, the inaccuracies on my credit report have led to higher interest rates, stricter loan terms, and even the denial of mortgage applications. This heart-wrenching setback has not only shattered my dreams of providing a stable home for my family but has also put an immense strain on my mental and emotional well-being. 

Given the severity of these violations and their profound effects on my life, I kindly request your immediate intervention to enforce the relevant consumer protection laws. Specifically, I ask that you ensure the following actions are taken : Conduct a thorough investigation into each violation to verify their accuracy and remedy the inaccuracies.

In accordance with the FCRA, remove any unverified accounts from my credit report, including the accounts listed above.

I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-17
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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. (NY)

In accordance with the Fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXrights . 15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2023-09-05
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. (NM)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 information is inaccurate.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with Equifax, XXXX, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since XXXX, XXXX.
Consumer complaint received 2024-04-02
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2023-08-17
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. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-17
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2018-04-26
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. (GA)

I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau Experian Credit Report : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX  Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX  Account # XXXX Date Opened:XX/XX/XXXX Account Closed Experian fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX  GA XXXX   XXXX has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX  Date Opened:XX/XX/XXXXAccount Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Im a simple person I do simple things Im from XXXX XXXX I didnt go to college, credit was not a priority in my life, until I saw a commercial capital one, I t seemed like thee American dream, and they were allowing me a chance to partake. {$130.00}, I paid my balance off in full every I had no checking account so I sent my payment through United States Postal Service overnight so they would have to sign for it in order to receive it I sent it to the to the address in which I was told to send it they said they didnt receive the payment but the post office sign Ihave them sign for it, they claimed they didnt receive the money order. Cliff note version, I spoke with several managers I submitted copy of the of the postal order tracking number when it was delivered, etc. The money was credit back to my as card. This was through the mail couple weeks later yet again, they take it I check the address given to me by capital one its good..I mailed it in I emailed it I faxed it I wrote in a letter with everything happening I spoke to countless managers and they told me they could fix it and it will be taken care of but the very next month there is the charge again I take it off they put it on take it off put it on etc. this goes on for maybe for five months before I am so tired and fed up I get the same song and dance from all of them the only thing that really hurt me is that like I I thought I was gon na have the American dream and they destroyed my credit I never knew I would care but it hurt me in every aspect from an apartment to a car to even a jobCredit is everything and when they destroy it for something that you did nothing wrong who is the fight for me who helps me I was XXXX for two years living in my van friends house to friends house this is what happens when a big corporation destroy what little credit you have theres so much more detail I just dont have the heart to share anymore disappointment because I cant afford to pay them these that they tacked on when I asked him to cut the card off charges they allowed to happen that I didnt even make it went from $ XXXX {$990.00} last thing I bought shouldve brought my total balance to XXXX maybe but its XXXX how do I pay that
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP (IL)

My debit card number was hacked and over {$600.00} ( {$610.00} ) was stolen from my checking account. The debit card number was skimmed and used to charge XXXX separate charges at XXXX different XXXX locations simultaneously. I filed a dispute the following morning as instructed from the Fraud detection department and Old National Bank has denied reimbursement of the stolen funds.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HireRight Solutions, Inc. (IL)

HireRight performed a background check on myself for offer of new job. After I received there response I requested multiple times an adverse action letter under section 615 of fcra. I have not received it or any response pursuant to my request.
Consumer complaint received 2023-04-13
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. (TX)

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 2023-07-16
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. (NC)

I recently checked my consumer/credit report and I noticed inaccurate and negative items being reported between the three consumer reporting agencies XXXX, XXXX and Transunion. I found that all three scores and information being reported by the aforementioned reporting agencies do not correlate.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

In 2018, I used XXXX to participate in the airdrop activity of the DFINITY project. During the activity, I paid 0.015 ETH to buy clothes! My wallet address is XXXX payment transaction voucher transaction hash address XXXX but I can not pass the XXXX authentication exchange.Today, 3 years later, I verified my identity on the COINLIS exchange. But I am not eligible for the DFINITY airdrop tokens. This is a very big mistake.The value of this airdrop in the current futures is about XXXX XXXX dollars. I contacted COINliST.CO. I sent an email. It has been rejected. My trading account on COINLIST is XXXX. I can provide all the proofs. I hope this problem will be resolved..
Consumer complaint received 2023-08-17
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. (OH)

My information was exposed in the XXXX, XXXX, Experian Data breach. I pulled my credit reports and noticed that I had a lot of unauthorized and inaccurate accounts that I did not consent to. I didn't consent to opening these accounts and I did not consent to the credit bureaus furnishing these unauthorized and inaccurate accounts. this is not fair to me because this is ruining my reputation with the banking system. I need these accounts removed immediately.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX and XXXX  XXXX
Consumer complaint received 2022-09-22
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: BARCLAYS BANK DELAWARE (NV)

I NOTICE HARD INQUIRY IN MY CREDIT REPORT FROM XXXX  XXXX ON XX/XX/2020 WHICH I M NOT AWARE OF.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep frustration and dissatisfaction with the uncooperative and non-compliant behavior exhibited by Experian in addressing a fraudulent item on my credit report. Despite repeated attempts to rectify this matter, Experian has displayed a blatant disregard for consumer laws, including Metro 2 guidelines and CFPB regulations. 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$470.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$300.00} Highest Balance : {$470.00} Terms : - On Record Until : XX/XX/XXXX Despite my repeated requests, Experian has not provided adequate documentation regarding the method of verification for the aforementioned fraudulent item. This refusal to disclose information that directly impacts my financial well-being raises serious concerns about Experian 's compliance with legal obligations and transparency standards.

Furthermore, Experian 's failure to thoroughly investigate and address this issue is a clear violation of my rights as a consumer, as well as Metro 2 guidelines and CFPB regulations. I have diligently followed all necessary steps to dispute the inaccuracies and potential fraudulent activity on my credit report. However, Experian 's reluctance to take meaningful action reflects a lack of commitment to its responsibilities under the Fair Credit Reporting Act. 

I am deeply disappointed by Experian 's behavior and demand that the Consumer Financial Protection Bureau intervene to ensure that this matter is promptly and appropriately addressed. I kindly request that you thoroughly investigate this case and take necessary actions to hold Experian accountable for their violations. 

I look forward to your prompt attention to this matter and a swift resolution to rectify the fraudulent item on my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or clarification. 

Thank you for your immediate attention to this pressing issue.