davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-02-10
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: National Credit Adjusters, LLC (OR)

There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon XXXX XXXX in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else. 
My wallet and ID were stolen almost 5 years ago and never recovered. 
I have never been to a speedy cash ever. Please help, I don't know how to fix this.
Consumer complaint received 2022-10-19
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My credit reports are not reporting accurately. I sent a letter to all 3 companies to fix or delete. To no prevail, they have not corrected the information, nor have they deleted it. I have asked that they fix the items or delete it. I even sent my ID, social security card, and proof of address. The only thing they sent in return was a letter stating to please send verification which I did previously.
Consumer complaint received 2023-06-08
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. (MI)

I need my address updated. I have asked Experian, XXXX, and XXXX to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

XX/XX/23 Dear Experian, XXXX, XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 

You received a notice of dispute from me resulting in you advising me that the account had been updated. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. 

The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX,
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX,
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2021-01-09
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. (FL)

On XX/XX/2020 I wrote this company and tried to disprove the issue with the company but he didnt respond him I had several account deleted from experience in XXXX XXXX that I would like these company to update a profile and correct any incorrect information and Im not, want to see any information without my signature on it verify any and all information verified I dont want to see any itemization data report from you guys company I would like to see the official document if you can not show me that then I willThe information to be deleted for my credit profile
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to the Credit Reporting Agencies to request once more to investigate my Credit File since I believe that the Credit Bureaus have not yet done their most effort. I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit reporting Agencies. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus once more, for more information regarding these particular accounts in question : XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

Experian recently sold my personal information to mortgage lenders resulting in me being bombarded with marketing calls costing me time, cell data and usage cost, and a major annoyance. They did this despite the fact that I was already registered on the FTC XXXX list as well as already being registered on Experian 's own XXXX and " do not sell '' list. They are breaking Federal and California privacy laws. How do I hold them accountable. 

Experian - Shame on you! As a credit reporting agency you are supposed to protect American 's credit and privacy. Shame shame shame!
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy federal credit union is my bank. I was defrauded approximately {$22000.00}. It started with XXXX XXXX and was moved to XXXX  then back to Navy Federal and back to XXXX The dates are from XX/XX/2022 through XX/XX/2022. I contacted the Pennsylvania state police and file a report. I also filled out and filed a identitytheft.gov report. XXXX XXXX XXXX also was involved although XXXX XXXX  and XXXX XXXX XXXX both approved my claim. Navy federal credit union denied my claim then I put in for an appeal and was denied. I later found out that XXXX XXXX was also involved during this time. The amounts are {$3400.00} and {$3800.00}. I saw the claim for that and was denied. After I was given a provisional credit for the funds that were taken from me I remove them from navy federal credit union and put them back in the original account that they were taken from which was XXXX bank now Navy Federal credit union has my account - {$23000.00}. I believe my phone was hacked and I reported it to XXXX and sent my phone in to get a new one.
Consumer complaint received 2022-10-19
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-25
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. (IL)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. These inaccuracies are not just a source of embarrassment ; they are actively sabotaging my efforts to secure the credit I rightfully deserve. We are both well aware of the laws mandating accurate credit reporting, and it is abundantly clear that the inclusion of such false information is either an oversight on your part or a gross mistake by the reporting creditor. XXXX XXXX. The company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered.
Consumer complaint received 2022-10-19
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-19
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-02-11
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. (NC)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.