davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-01-25
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. (CA)

THIS COMPANY IS IN VIOLATION THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX .... Balance : -, XXXX XXXX  XXXX .... Balance : -, XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX XXXX XXXX : {$8300.00}, XXXX  XXXX XXXX .... Balance : {$950.00}, XXXX XXXX XXXX .... Balance : {$11000.00}, XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00}, XXXX XXXX FOR XXXX .... XXXX XXXX {$4200.00}, XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX : {$530.00}, XXXX  XXXX Balance : {$800.00}, XXXX XXXX XXXX... XXXX : {$3200.00}
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (GA)

This is Bluebird American Express. This is for my daughter who is XXXX sub account XXXX XXXX. I called customer service because she has a balance of {$6.00} on her card which I tried to transfer to my main account because for some reason they have suspended her account with no explanation. I can also see in the details they made a {$15.00} payment adjustment which she didnt owe so they literally took that money for no reason. I called customer service they had no explanation of why we cant access her account anymore and why they suspended the account. I wrote a letter to them as requested and still can not access the funds and its been long enough. My account and my sons account are working fine, but we can not access her account at all or use the funds. They are illegally holding it and we have done nothing wrong. I can not even close the account to access the funds.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (FL)

We found XXXX change to your Equifax credit report XXXX Credit score XXXX points since XX/XX/2022 Account Removed XXXX XXXX XXXX account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX was removed from your credit report. 

Ive worked countless hours to bring my credit score up only to have my points taken away because of an error when Im the one thats having to deal with countless problems due to misinformation by EQUIFAX. 

IM ALSO ATTACHING THE RESPONSE I RECEIVED FROM THE CREDITORS STATING THAT THIS WAS AN ERROR ON THE BEHALF OF EQUIFAX.
Consumer complaint received 2022-11-14
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'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Penny Mac has been telling me that deferring my payment to the end on my loan was a foreberance option available to me..Tonight, a  supervisor, XXXX, told me that because I paid XXXX XXXX   mortgage on XX/XX/2020, instead of XX/XX/XXXX, the option to defer my mortgage to the end of my loan is no longer available..I have made a formidable effort and have caught up to my mortgage to most of XX/XX/2020. I have exhausted my savings and have NOTHING LEFT. XXXX.
Consumer complaint received 2023-07-25
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. (NJ)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS, and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate, and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX  XXXX XXXX
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AZ)

As of XX/XX/2022 I had the amount of XXXX stolen from my account via XXXX XXXX. I submitted a claim along with all the transactions & a filed Police Report of the incident & I also had witnesses sign and signature that I was at work at the time that Ive noticed my account and money being taken. Chime XXXX XXXX Denied the return of the funds, saying that they seen nothing wrong and there is no error that occurred. So I XXXX XXXX XXXX waited a couple months preferably 2 to be exact after refilling a rebuttal and still the same out come, now I have refilled another rebuttal and there telling me I have to wait until next year for there investigation to be complete in which I know that they keep denying it along with pushing for next year because there is a expiration date to file and complete a rebuttal and Im being cheat out of my funds because chime XXXX XXXX  wont refund my stolen funds. Ive sent letters Ive sent letters to sue them Ive reached out to chime and yet nothing is being done.
Consumer complaint received 2018-04-23
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. (GA)

Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to me.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX violated my consumer rights 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I froze Experian and XXXX in XXXX of XXXX. I was able to freeze XXXX only after filing a complaint with CFPB and did that some time later in XXXX of XXXX. 

All three reporting bureaus made it extremely difficult to freeze credit reporting other than by creating an online account. These are too great a security risk for me to do this. I was eventually able to do this by phone for each agency. Each promised to send a pin for verification in order for me to unfreeze reporting. Only XXXX did this. 

I was able to temporarily suspend the freeze on my XXXX account by using the confirmation code sent to my cell phone in XXXX, XXXX. 

I called Experian at XXXX at XXXX pm XXXX XXXX XXXX today, XX/XX/XXXX. I was not able to unfreeze my Experian record by using the confirmation number Experian had provided to my cell phone in XXXX, XXXX. Experian never sent a pin number to my email account as promised in XXXX, XXXX, or by regular mail. The automated process demanded this number to unfreeze my credit record. I asked for a representative. The automated voice said I was not allowed to at that time ( before XXXX pm XXXX XXXX XXXX ). It gave no other other information and ended the call when I kept repeating " representative ''. 

I can not open a new bank account at this time because that bank uses Experian. Experian is attempting to force consumers into opening an online account. As the recent history of severe, uncontrollable data breeches for credit reporting agencies, as well as other centralized services such as state agencies, shows, the risk is almost never worth the convenience. 

Experian should not be able to force me to open an online account in order to temporarily suspend the freeze I placed on my file there. The only other option they offered was to send, via the now extremely unreliable ( thanks, XXXX! ) U.S. mail, all the sensitive information anyone receiving that mail in error would need to permanently ruin my credit history. Experian should have sent the pin via email as promised during the freeze process. The company should send that now, or allow me, as XXXX did, to use the confirmation code sent me when I froze that account. 

Thank you for looking into this.
Consumer complaint received 2023-06-05
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)

There's an account that has me as an authorized user that has to be removed immediately. there is also a fraud account from global lending services that is still reporting even after 'I 've sent in all proper documentation because this account was created due to identity theft/fraud. PER 15 USC 1681B I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS INVVALID INFORMATION AND THEREFORE IT MUST BE REMMOVED. I AM NOT ADMITTING OWNERSHIP TO AN ACCOUNT THAT IS NOT MINE. I WILL BE FORCED TO TAL=KE LEGAL ACTION IF THIS MATTER ISNT RESOLVED IMMEDIETLY.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality

unde r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CT)

I contacted the debt collector I.Q. data on XX/XX/2020 to request information on this debt that is over 3 years old. I requested in writing the information and haven't received it and its been over 30 days. I was told by a supervisor that he refused to send the information to me and that it didn't matter, I just needed to pay it. There was also obscene language used against me by two different people and my personal information was asked without my permission to obtain it for some kind of loan process that sounded fraudulent.
Consumer complaint received 2022-11-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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: 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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$310.00}.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

DEAR XXXX ; TRANSUION ; XXXX, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.
Consumer complaint received 2022-11-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I've been an XXXX XXXX XXXX XXXX member for over XXXX XXXX. I've never been late on payments and have paid down balances in excess of {$8.00} XXXX. My account has been reported XXXX XXXX overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XX/XX/2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but XXXX informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all XXXX  agencies ).
Consumer complaint received 2023-06-05
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2021-06-29
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. (CA)

I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft.15USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. Unauthorized inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint # XXXX was filed and CFPB received the response from XXXX and they did not investigate these accounts that are reporting in error and fraudulent. 

CFPB, FTC and FCRA needs to regulate its authority over XXXX, XXXX and Trans Union for responding with false statements that say theyre investigating errors on credit reports. 

ATTACHED IS LETTERS PROVING THEY DID NOT INVESTIGATE! 

XXXX XXXX is reporting a fraudulent account on my credit report and its been 45 days since my second letter demanding them to prove that the account belongs to me and they have not responded, XXXX XXXX did respond and closed the fraudulent claim. The XXXX XXXX XXXX XXXX accounts are closed but still reporting the fraudulent accounts on my credit report. XXXX refuses to follow the FCRA guidelines and investigate fraud and errors. I will provide each letter I have received from creditors to prove XXXX DID NOT INVESTIGATE.