davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.
Consumer complaint received 2023-08-24
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (FL)

to the three credit bureaus, Experian, XXXX, and XXXX you can find the tracking numbers listed on the documents I submitted. However, it's been more than 30 days and the credit bureaus have failed to provide me my investigation back. This is not making any sense to me, and this is hindering me for improper use of my credit scores in report. 

According to the law 15 U.S. Code 1681i- Procedure In case of disputed accuracy. If the completeness or accuracy of any item or information contained in a consumers file at a consumer reporting agency, is disputed by the consumer and the consumer notifies the agency, directly or indirectly through a reseller of such dispute the agency shall, free of charge conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2023-08-24
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. (LA)

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

Account name : XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

Account name : XXXX  Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello I have been letting XXXX, Transunion, and XXXX know that my identity was stolen on XX/XX/2023 and that these individuals stole my ID ( drivers license ), as well as my social security number as well. These individuals have been calling to verify account balances and personal information that was also stolen from me and I made all 3 credit bureaus aware. Ive also filed a formal police report and they have done nothing at all in regards to this issue. No one I have been reporting this to has taken this matter serious at all. So I am filing complaints to CFPB to try and get some type of help or resolution or guidance on what to do.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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 2020-03-03
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax ; XXXX and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NJ)

I applied for an indigo card. Initially to help build my credit. They only provided a lousy XXXX credit limit which is nothing. They charge all these ridiculous fees just to get the card. I actually with my improved credit got cards with higher limits so i did not need this card. Besides the interest rate is horrible, i closed the card. I called them and closed the card. I got a statement showing i got a late payment fee. If i closed the card, why are they still charging me late fees. They are now here claiming the balance is XXXX with a minimum payment of XXXX due. And they are reporting to my credit reports that the payment is late dropping my credit score. This is not fair and i believe it is illegal. Nevertheless this is wrong. Just because i do not want their horrible low limit credit card does not give them the right to mess my credit up and this needs to be fixed. They are using predatory pactices and preying on people trying to get more money from people. I worked hard for years to improve my credit score and i will not let some company come damaging it with their practices. No.
Consumer complaint received 2023-08-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-11
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. (MD)

XXXX, XXXX. XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account are remove the late payments to paid on time from my Transunion & XXXX credit profiles. This account is reporting inaccurate information on my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion are To date the inaccurate information no actions have been taken. I have attached all required supporting documents for your reference. I apprecigeate your assistance, and please feel free to contact me directly at XXXX if you need any additional information i have never received anything from XXXX XXXX  trying to resolve this issue... this reporting issue is cause me hardship
Consumer complaint received 2023-08-24
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. (KY)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Consumer complaint received 2023-01-03
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. (TX)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. National Credit Systems , Inc have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
If you can not provide any agreement between us from this day XX/XX/2023 forward, you agree to pay my fee of XXXX usd for contacting me without my written consent. I will also file harassment and identity theft charges. 
Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2018-10-18
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX : XXXX, Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX, XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I bought a car, refinanced through wells fargo. I fell behind but I did settle with them I sold the car, and sent them all the money, and released the title to the buyer but its still showing that I owe.That part is incorrect because we settled. And its still on my credit. I took out a loan and wells Fargo sent then a letter saying it had been resolved but it still showing.
Consumer complaint received 2023-08-24
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I am XXXX XXXX XXXX. I was scammed via the internet to deposit checks from several individuals into my bank account at First National Bank of Omaha, send half of the deposited amount via XXXX, and was ensured I would be able to keep the other half of the money. XXXX {$500.00} checks were sent to me on XX/XX/XXXX, and I deposited them the same day. I then sent half to individuals on XXXX : XXXX XXXX - XXXX XXXX  XXXX XXXX - {$240.00} XXXX XXXX - {$240.00} XXXX  XXXX - {$260.00} XXXX XXXX - {$100.00} A name in XXXX characters - {$100.00} When the amounts being sent for deposit to my checking account I started to get suspicious and refused the additional checks, and told my mom what happened. We then filed a police report with XXXX Police Department in XXXX, XXXX ( RT # XXXX ). I also provided them my SSN. 

I filed a report with XXXX as well as with my bank. XXXX said they would work with my bank but First National Bank of Omaha is saying there is nothing they can do.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (IN)

My soon to be ex-wife took out several credit cards and loans out in my name and left me with about {$30000.00} worth of debt that collection agencies are trying to get me to pay, and ruined my credit.
Consumer complaint received 2023-08-24
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 am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.