davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act the following accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DC)

Experian refused to allow me to log into my account. They sent 8 password and username emails and none worked. This means they locked me out of my account. They then removed my paid account and asked me to log in and it still did not work. Experian employees stole my account and refused to let me in.
Consumer complaint received 2023-06-02
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. (AR)

This is my 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 belongs to me, or that I have signed any agreement. Kindly have an investigations regarding this complain.Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance XXXX XXXX {$1900.00} XXXX XX/XX/XXXX ; XXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-08
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've sent several letters out to XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with XXXX XXXX XXXX  was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with XXXX. After almost eight months, of informing XXXX that this account is not mine and that someone used my identity to open this account. XXXX continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically.

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank denied me a lowes credit card without valid reasons. 

Under the Equal Credit Opportunity Act, creditors have 60 days to provide you with a specific reason as to why you were denied a line of credit. This is known as an adverse action letter. You may be rejected for a variety of factors, such as having a low income, a short credit history or too much credit card debt. 

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio XXXX XXXX XXXX administers compliance with this law Synchrony bank said their contracts are above all federal and state laws.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XXXX I received an email from XXXX for my final bill for a total of XXXX which was paid on XXXX in which I received a confirmation email regarding this payment. On XXXX I received notification on my report that the account for XXXX Account XXXX XXXX was charged off for non payment. Yet I received my email confirmation for this payment. On XXXX I received another bill for a total of XXXX which was also paid. They have claimed that they never received my first payment in XXXX which caused my account to be a charge off. This should not have been the case being that I have proof of conformation of payment.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I am writing to formally express my deep concern and dissatisfaction with XXXX 's handling of my account, particularly regarding a dispute I have raised concerning erroneous charges. Despite multiple attempts to dispute these charges, which pertain to a service XXXX was obligated to provide but failed to deliver adequately, there has been a complete lack of response from XXXX 's side. This failure to engage not only undermines the trust I placed in XXXX as a service provider but also contravenes the principles of fair and transparent billing practices. 

Moreover, I must bring to your attention that XXXX has not fulfilled its legal obligation to report my dispute to the credit bureaus. This oversightor deliberate omissionhas serious implications for my credit report and score, further exacerbating the issue at hand. The lack of acknowledgment and the failure to report the dispute have left me in a precarious position, affecting my financial integrity without just cause. 

Equally concerning is the responseor lack thereoffrom the credit bureaus. Despite being apprised of the dispute and the erroneous charges levied by XXXX, there has been no action taken to investigate or amend the information on my credit report. This disregard for consumer disputes not only undermines the credibility of the credit reporting process but also leaves affected consumers without recourse or remedy. 

I urge XXXX to address this matter with the urgency and seriousness it warrants. I demand that XXXX : Provide a detailed explanation for the erroneous charges, Refund any charges that were incorrectly billed, Report my dispute to the credit bureaus as is required, Take immediate steps to correct any misinformation on my credit report resulting from this issue. 
I also call upon the credit bureaus to fulfill their responsibilities by : Investigating my dispute in a timely and thorough manner, Updating my credit report to accurately reflect the outcome of this dispute, Ensuring that my credit score is not unjustly impacted by these disputed charges. 
Failure to address these concerns satisfactorily will leave me no choice but to escalate the matter through legal channels. I am prepared to take all necessary steps to protect my rights and ensure that my credit report accurately reflects my financial behavior and history. 

I look forward to a prompt resolution to this matter.
Consumer complaint received 2024-03-05
Product: Credit reporting 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 have submitted a complaint on XX/XX/2024 ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XXXX at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to Experian, XXXX and XXXX to notify them that this account should be removed from my consumer report IMMEDIATELY.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've sent several letters out to Experian, XXXX, and XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : Experian - XXXX XXXX - XXXX XXXX - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX has remove my bankruptcy from my report and remove it from XXXX as well but experian has refused to remove it XXXX XXXX XXXX  GA XXXX Reference number XXXX Bankruptcy XXXX  XXXXdismissed XXXX XXXX XXXX GA XXXX Reference number XXXX Record type Bankruptcy XXXX  XXXX dismissed XXXX XXXX XXXX GA XXXX- Reference number XXXX Record type Bankruptcy XXXX  XXXXdismissed XXXX XXXX XXXX GA XXXX- Reference number XXXX Record type Bankruptcy XXXX  XXXXdischarged I you look at the letter from XXXX it state that he dont suppose to be on my credit XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 

The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Consumer complaint received 2018-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

I have had a PayPal account now for a few months, so far Ive been able to make one transaction XXXX XXXX XXXX, this transaction was paid with my own account and it cleared and there was no problem with the transaction. Ever since this transaction though I havent been able to do anything with my PayPal account and I mean anything. I call in because everything is denied and they say its blocked by their security system and they can not disclose the reasons why. They advertise all these features but to someone like me who has no negative history with them and has had one successful transaction its seems crazy that I would be Blocked by a security system. I havent done anything wrong to even be on a radar to be blocked and I feel this is a scam to just get people to sign up. I will say my account is fully verified and everything. There literally is no reason I shouldnt be able to utilize PayPal and they wont do anything to resolve this
Consumer complaint received 2018-10-09
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. (IL)

On XX/XX/2018 I sent a certified letter to XXXX, Experian and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX  saying they will not investigate my disputes.
Consumer complaint received 2023-08-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I havent had a card since XX/XX/2022 I have disputed the transactions the merchants send reports that I made purchases when I did not. I do not have a card in my possesion.
Consumer complaint received 2022-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. Transunion is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. XXXX is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to report my other credit card accounts.
Consumer complaint received 2022-12-12
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. (WA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX - Account XXXX. : XXXX XXXX XXXXXXXX - Account ending with XXXX XXXX XXXX XXXX XXXX XXXX. - Account ending with XXXX, XXXX, XXXX, and XXXX XXXX - Account ending with XXXX
Consumer complaint received 2023-03-04
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 have filed a local police report and an identity theft report because my information was used without my consent. I need this to be addressed immediately In accordance with the Fair Credit Reporting act account : XXXX, XXXX. 
Account number XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-10-22
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. (IL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX. ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$75000.00} ), XXXX  XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$350.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-10-22
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. (PA)

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 : {$8700.00XXXX 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

On XX/XX/2018 my account was compromised by theft by a debit card at a XXXX XXXX XXXX XXXX in XXXX TX. There was merchandise purchased in the amount of {$540.00}. I do not have a XXXX 's jewelry account and I did not purchase merchandise from XXXX XXXX XXXX. XXXX TX is over 300 miles to my home in XXXX TX. I am desperate for your assistance. The monies that was stolen from my account was for my electricity bill and it will be shut off if these funds are not returned to me. I have filed a police report, I have contacted Netspen & XXXX XXXX ( same company ) and I have contacted XXXX XXXX XXXXXXXX   and no one will assist me. I have given them all the information I possibly can and no one can give me answers to who took the funds from my account. XXXX XXXX XXXX tells me it's Netspend job to start and investigation and Netspend says XXXXXXXX XXXX XXXX has tell me what information they need. Please help me I am a single mom and I am in dire need of the CFPB.