davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (WI)

I first sent out my inaccurate information dispute letter on XX/XX/2023 for XXXX XXXX. I waited XXXX days to receive either an update or verification of the information that I requested to be deleted for inaccuracies. I haven't received anything. On XX/XX/XXXX, I sent out a follow-up letter requesting that the information be deleted and still haven't received anything back.
Consumer complaint received 2023-02-01
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. (TN)

I have 3 collection accounts on my report that I have been disputing for a year XXXX, XXXX XXXX XXXX XXXX XXXX. I have spoken to the creditors of each of these companies they represent none of which have been able to produce documents signed by me or copies of my DL or anything showing its a legitimate debt owed by me. The only documentation I did receive had my name, my social, and all the other information was incorrect address phone number insurance employer, none of it matched and XXXXXXXX XXXX was supposed to reach out and provide this documentation which they have not.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (MO)

Tried to withdrawl XXXX  currency XX/XX/XXXX & XX/XX/XXXX respectively, blockfi said it would be done by XX/XX/XXXX. Still awaiting with no response from Blockfi.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my profound disappointment and frustration to follow up regarding the persistent presence of fraudulent items on my credit report. Despite previous complaints and attempts to rectify this matter, the fraudulent entries remain unresolved, causing significant distress and financial harm. 

As I have previously communicated, these fraudulent items are not only inaccurate but also detrimental to my financial well-being and reputation. Despite providing extensive evidence and documentation supporting my claims of fraudulent activity on my credit file, it appears that little progress has been made towards resolution. 


I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes decisive steps to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the concrete steps being taken to address the fraudulent items and a definitive timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX XXXX XXXXXX/XX/2020 TransUnion : XXXX XXXXXXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023
Consumer complaint received 2023-04-10
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

I purchase a cell phone and had service. After a few days I returned the phone canceled the service and was given a FULL refund. The account was closed and fully satisfied. Then I get get a notification that I'm being sent to collections for {$69.00} from XXXX. I went in to a local XXXX store and spoke to a XXXX who looked at the account and told me it was fully taken care of and this was an error on XXXX side but he couldn't do anything becouse it had already been sent to collections. I do not owe this debt and it is negatively affecting my XXXX XXXX. I want I resolved immediately please. Thank you
Consumer complaint received 2023-02-02
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. (AL)

My name is XXXX 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.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NY)

On Friday XX/XX/XXXX I originally made two successful transactions on coin base. First for {$250.00} of XXXX and then an additional {$500.00} XXXX. Later, I attempted to purchase another {$500.00} but the transaction was denied and an error message appeared something went wrong. I kept retrying the transaction and kept getting the same error message. After 7 attempts I gave up. The next day on Saturday XX/XX/XXXX I checked my account and saw that the 7 failed transactions actually went through. I would have never attempted so many transactions if I knew it was actually going through and the error message was false. Then after looking further, I noticed one of the {$500.00} transactions was taken out of my bank but not deposited into my account with coinbase.
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY (MD)

I have XXXX lenders stating that I owed them a {$4000.00} loan from XX/XX/2006. I have a private loan but it not them. I am attaching documentation from University XXXX and neither of them is the Lender. They are destroying my credit.
Consumer complaint received 2024-03-04
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. (TX)

I am writing to express my dissatisfaction and frustration with the recent outcome of my second attempt to remove a fraudulent items from my credit report. Despite providing comprehensive documentation and evidence proving the fraudulent nature of the item, I have once again been met with a disappointing response from your agency. 

I submitted a formal request to investigate and remove the fraudulent entry on my credit report, which has been adversely affecting my credit score and financial credibility. I included detailed explanations, supporting documents, and any other pertinent information required to facilitate a thorough investigation. 

However, much to my dismay, I received a response indicating that the item in question was verified as accurate and would remain on my credit report. This response was deeply disheartening and failed to acknowledge the clear evidence I provided, demonstrating that the item was indeed fraudulent and should be removed immediately. 

Despite my efforts, I was once again met with the same dismissive response, with no meaningful explanation provided for the decision to uphold the fraudulent entry. 

This repeated failure to address and rectify the fraudulent items on my credit report has not only caused significant distress and inconvenience but has also undermined my trust in your agency 's ability to conduct fair and accurate investigations. As a consumer, I have the right to expect that credit reporting agencies uphold their responsibility to thoroughly investigate disputes and act in accordance with the law. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting that immediate action be taken to rectify this matter. Specifically, I demand that : The fraudulent items be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Last summer, I was looking for a rental in XXXX XXXX, NM as I was planning on moving there within the month to start a new job. My friend and I found a place that seemed reasonably priced and decided to apply. The landlord sent us application invites through TransUnion, which required us each to pay {$41.00} for a consumer report. There was a delay in doing this for me, since I was a XXXX XXXX XXXX XXXX XXXX XXXX. While I had presence in the US and a US bank account, they could not get a consumer report as easily as they could for an American with a credit card. 

I contacted TransUnion immediately in an attempt to resolve this. They instructed me over the phone to email them a copy of my passport ID page, and a bank statement proving I had a US bank account. They said they would charge me once they send the consumer report to the landlord. A couple of days after this, I get a notification through their portal that the landlord has declined my application since they found someone else. Not a problem, I continued looking and the report did not come in time anyways. However, they end up charging me for the consumer report a day later, meaning that even though the application was cancelled before the report was completed, they still ended up sending a useless report to a landlord who already chose a different tenant. 

I contacted them over the phone again, explaining the situation and asking for a refund. They claimed I would hear back from them or get the refund if they decide to give it to me. Evident by me writing this complaint, they never provided the refund. 

Below are .pdf documents outlining what happened chronologically, with relevant timestamps highlighted ( I added my last name to all of them for reference ). 

Invitation to Apply - XXXX Copy of an email I received, notifying me that the landlord is requesting a consumer report as part of the application. 

Email to TransUnion - XXXX  After a phone call, I email TransUnion as instructed ( passport photo and bank statement ). 

Lease Appl. Declined - XXXX Lease application is denied on the morning of XX/XX/XXXX. TransUnion is clearly aware of this since they sent the email, and the landlord did their part of noting the denial on the TransUnion online portal. 

XXXX XXXX Statement - XXXX Bank statement with a highlighted transaction noting that the report was processed on the XXXX, a day after the application had already been cancelled. If the application was closed, what was the purpose of going through with this?
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Consumer complaint received 2023-06-20
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am writing to express my grave concern regarding the erroneous information that your organization has reported on my consumer report. I categorically state that I have never applied for any credit with your institution, and therefore, any information reported by you is not only incorrect but also misleading. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), I am entitled to dispute the accuracy or completeness of any information in my file. Moreover, Section 609 ( a ) ( 1 ) of the FCRA mandates that upon request, a consumer reporting agency must disclose all information in the consumer 's file at the time of the request, including the sources of the information. I have not received any such original application or source of information from you, which is a clear violation of my rights under the FCRA. 

Furthermore, your practices appear to be deceptive and in direct violation of the FCRA. Section 623 ( a ) ( 1 ) ( B ) of the FCRA explicitly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition to the FCRA, the XXXX XXXX Compliance guidelines, established by the XXXX XXXX XXXX XXXX ( XXXX ), require that all data furnishers report complete and accurate consumer information. Any failure to comply with these guidelines is a violation of the consumer 's rights. 

I would also like to highlight the unprofessional conduct of your representatives who dismissed my concerns and hung up on me during my attempt to resolve this issue. This is a clear violation of Section 623 ( a ) ( 5 ) of the FCRA, which mandates that a person who furnishes information to a consumer reporting agency shall promptly notify the agency if the information is found to be incomplete or inaccurate. 

Finally, it is important to note that even if XXXX XXXX has my signature stating its okay, they have still violated the law by paying Chex Systems for the information. This is in violation of Section 615 ( f ) of the FCRA, which states that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

I demand that you conduct a thorough investigation into these matters and remove any inaccurate information from my consumer report immediately. I also expect you to provide me with documentation that you have complied with my request or a detailed explanation for your non-compliance. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to do so will leave me with no option but to seek legal remedies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX