davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (MI)

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 XXXX XXXX XXXX. 

Account name : # XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX It also states a consumer reporting agency can not furnish an account without my written instructions/consent XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXXXXXX XXXX 

XXXXXXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-05
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)

Negative accounts was not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am writing to express my frustration with Experian regarding my credit report. In XXXX of last year, I requested a security freeze and a fraud alert. However, I now realize that this was not the best course of action, as it has led to constant denials of credit. I am currently in the process of repairing my credit due to fraud, and these measures are hindering rather than helping. 

I have been trying to contact Experian for three months now to request the removal of the security freeze and fraud alert from my account. Despite multiple attempts, I have been unable to speak with a live person. I have been directed to a website ( experian.com/fraud ) that supposedly allows for the removal online, but all it provides is a document to print and mail, which I have done with no results. 

I am extremely frustrated with the lack of response and action from Experian. This situation has caused me significant inconvenience and financial harm. I urge the CFPB to intervene and help resolve this matter promptly.
Consumer complaint received 2022-11-16
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. (CT)

The account XXXX XXXX  for the amount of {$3000.00} XXXX XXXX  XXXX is fraudulent and I filed a FTC report. Please remove this account from my credit. 
15 USC 1681b Permissible Purpose.
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. (NC)

I am sending this complaint today to request your assistance in investigating and resolving alleged identity theft items that have appeared on my credit report by Credit Bureaus. I believe that I have been a victim of identity theft, and I would like these fraudulent items to be thoroughly investigated and, if found to be inaccurate or unverifiable, promptly removed from my credit file. To provide relevant details, I would like to explain the situation and present the necessary information for the investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (AL)

I live in Alabama where the statute of limitations for a credit card debt is XXXX  years. I was served paperwork today stating i am being sued by credit corp solutions. The last action on the account was XX/XX/XXXX. Today 's date is XX/XX/XXXX which is clearly past the XXXX.
Consumer complaint received 2022-11-16
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)

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Hi my name is XXXX XXXX and I was a victim of identity theft in 2020. I keep getting phone calls and letters in the mail stating that I owe XXXX to XXXX XXXX XXXX  from a debt collectors XXXX XXXX. I file a police report saying that the loan was not mine and that I was victim of identity theft. The company still keep sending letters through the mail. I even notified the credit bureau about to put a identity lock on my credit. One big problem with this that they sued me and took me to court. I went to first court date and they judge said that the company was supposed to call me which they didn't do. I miss the other court dates because I couldn't miss work or I would be fired from my job. I never signed any paperwork for this loan and plus they have the wrong address down on the paper. They made a judgment and I don't know what to do about this company who keeps suing people for a loan they didn't take out.
Consumer complaint received 2024-06-14
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

Schools misconduct, aggressive and deceptive recruitment, misrepresentation and omits important information. 
The information that I received from XXXXXXXX XXXX  about the tuition cost during the initial interview was different from the real cost of the program. 
Most of the XXXX XXXX XXXX jobs are XXXX not full-time jobs, XXXX XXXX  does not provide me with that information, so I could've taken a better decision based on my personal situation. I trusted their words about job availability. 
XXXX XXXX  constantly told the students that we will find jobs with high earnings for the program and not to worry about the student loans. 
According to XXXX XXXX " If you are willing to invest in yourself, XXXX XXXX  is willing to invest in you. '' XX/XX/XXXX ( email from XXXX XXXX  ). 
In addition, I thought there would be more opportunities for scholarships or financial help. XX/XX/XXXX, XX/XX/XXXX ( I received email my program did not qualify for most of the scholarships ). 
XXXX told me that the credits are transferable to other schools in case, if necessary but I had to repeat several classes to be able to finish the program since several universities did not accept XXXX XXXX  credits. 
I received an email from Financial Aid to accept the financial plan ASAP using Capital letters by rushing me into the decision to study with them, they did not give me the opportunity, nor did they take into consideration the amount of debt due to student loans compared to income. 
In addition, I asked them to provide me with documentation about the original loans and I did not receive any response. 
I am affected by the false representation of the university because I acquired many loans that affect my credit, have not had any benefit in my life since I have not found a job in the field of study, in addition I could not go to another school because I do not have more financial aid. This situation has created anxiety and has contributed to me having episodes of XXXX.
Consumer complaint received 2023-06-10
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Unauthorized XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry TEXAS XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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. (MI)

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 XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account 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 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 around XXXX, I walked into XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX and initiated a wire transfer in the amount of {$24000.00}. I am an account holder at XXXXXXXX XXXX 
The wire transfer was to a Chase Bank Checking account. I was told that because I was initiating the wire early in the day that it would be received the same day by the beneficiary. 
The wire was never received that day so I called XXXX XXXX XXXX XXXX XXXX and spoke with the teller XXXX that initiated the wire. We went over the account numbers and confirmed that all the information was correct. The teller XXXX promised to call me back after she did more research. About 30 mins later she called me back and confirmed that the wire was sent and that she had a Federal Reference Number relating to the wire transaction. She gave me the Federal Reference Number and I gave it to the the beneficiary. 
The beneficiary called his bank the same day while I was present, and spoke to a banker by the name of XXXX XXXX from the Chase Bank XXXX XXXX Location. 
He told her the situation and gave her the Federal Reference Number and she placed him on a brief hold. When she returned to the phone, she told him that no wire has been received and they have no record of a wire being sent to them and that we should follow up with the sending bank. 
I couldnt understand this at all and this is the basis of my complaint. Somehow the wire I sent is missing and I dont understand how {$24000.00} just comes up missing when I have proof that I sent the wire and all the details were correct. The {$24000.00} has been debited from my account and now I am out of {$24000.00}, and the money has not been received by the beneficiary. 
On XX/XX/XXXX the beneficiary still had not received the wire so I called XXXX XXXXXXXX XXXX XXXX XXXXXXXX and requested a wire recall which they did not allow me to do because they said the money was received by Chase Bank which Chase Bank is saying it has not been received. 
I am asking that my {$24000.00} be returned to the beneficiary or to my bank account. The Federal Reference Number is listed below and the wire transfer receipt is attached as well.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX summitting this CFPB complaint requesting to the Credit Reporting Agencies to please reinvestigate the erroneous accounts reporting on my Credit File. I am submitting this CFPB complaint to you today in response to the recent investigation conducted by the Credit Bureaus. 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 you for more information regarding these particular items in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 - This is a formal request for an investigation of this account 's comments, account type, payment history, and account name. There is a possibility that this information may be inaccurate. This must be corrected immediately. 
XXXX XXXX XXXXXXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/2021 - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AZ)

I have already contacted Transworld Systems Inc.to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX XXXX. A police and Identity theft have already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, Equifax I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Please investigate and process my disputes for all these collections that im disputing. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.
Consumer complaint received 2023-02-06
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. (AL)

I sent a letter to dispute a trade line on my credit report on XX/XX/XXXX. I received the return receipt they sent back dated for XX/XX/XXXX, which was fraudulent and exceeded the 60 day response period mandated by law. On XX/XX/XXXX I received another response from TransUnion that was also suspiciously back-dated and so I wrote them again on XX/XX/XXXX. This time upon receiving their response of XX/XX/XXXX it had been sent with certified return receipt confirmation. It is clear to me that TransUnion have acted in bad faith by attempting to cover up their fraud through back-dating correspondence. To remedy this situation as a consumer what legal or regulatory action can be taken in order to hold them accountable? 

P.s. If they were going by the XX/XX/XXXX certified return receipt they stamped, and I received my first response letter from them XX/XX/XXXX. By law they would have to remove it because it had been longer than 30 days.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have initiated and investigation with XXXX XXXX XXXX and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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)

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 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.