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

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (NY)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX 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 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX I contacted XXXX/XXXX  and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received correspondence from Bank of America ( Letter head ) with their website information www.bankofamerica.com dated XXXX Reference # : XXXX I received a letter that stated I need to call them - they are working on my application for the XXXX XXXX XXXX and they needed to verify the information on my application. I never applied for a credit card from them. Furthermore, the letter stated that it is important that they hear from me within the next 30 days or they would have to cancel my application. I disregarded the letter, thinking it was a scam or a mistake. 

Last week, I received a credit card in the mail from them. I cut up the card, since I never applied for this credit card, nor do I want one. Over the weekend, on XXXX, I received an invoice in the mail with a balance due of {$59.00} with a due date of XX/XX/2022. I contacted their customer service number and was able to contact a representative that day. I asked how they obtained my information for an application I never completed. The representative could not answer this question and could not cancel my card over the phone unless I provided her with my address, which I did not want to disclose, thinking this could be a scam. 

What is very concerning is that I never applied for this card. I dont know how Bank of America obtained my information to process this application. In their letter they stated the information was not complete. Nevertheless, I received a credit card anyway and got billed for it a week later. 

Today, XX/XX/XXXX, I called Bank of Americas fraud line and spoke with someone who said they would cancel my account and not bill me for anything. Hopefully, it will be taken care of. Im worried about their business practices, though, which seem deceptive. 

Please advise. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX e-mail : XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I reviewed my equifax credit report and saw that they have 4 accounts named XXXX and 4 accounts named XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX I sent them proof of the inaccurate information then I sent them another letter on XX/XX/XXXX due to the inaccurate information still reporting on my credit report and them not getting back to me. They have not responded back to any of my letters. Equifax has XXXX accounts that are wrong and should not be reporting on my credit. I have given them ample amount of time to get back with me and they have failed to do so. These accounts have caused me to be denied as I am trying to purchase a home. I have studied the consumer laws and see that they had 30 days to get back with me and because they didn't these accounts have to be deleted.
Consumer complaint received 2022-10-18
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. (CA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it 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 XXXXXXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-09-05
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. (TX)

. 
Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( XXXX, XXXX, and Experian ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (SC)

Hey i been Banking with US bank for some months and this been around XX/XX/2023 and i been getting money i worked for threw that account so they seen the money i worked for coming in on the regular now they want to close it because im a hard-working person and i get money come in legitimate way.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I am currently living in XXXX XXXX and on several occasions, I have requested a credit report from all three credit reporting companies. Since my address is overseas, the credit reporting agencies will not change my address from the old XXXX XXXX, XXXX XXXX, XXXX AP XXXX. My current address is XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Can you require all three agencies to send the credit report requested to the XXXX residence above? If you required, I will provide you with my SSN Thank You XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (NV)

I submitted a letter to the Credit Bureaus to correct 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. 

XXXX XXXX XX/XX/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
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: ProCollect, Inc. (GA)

I was wrongly accused of owing {$350.00} in unpaid rent. I submitted my dispute letter to the debt collector, and while they ceased reporting me after I raised my dispute, they continue to contact me through email. It is expected that they would provide an update on the outcome of my dispute.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (IN)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-04-27
Product: Student loan — Private student loan
Issue: Problem with fraud alerts or security freezes — 
Company: Unisa, Inc (WA)

So I'm currently XXXX XXXX I've been in since XXXX. I am currently looking into buying a house so when I get out of the XXXX  my family won't be homeless. My lender ran my credit and saw I had like XXXX in collections from unisa Inc and I don't even know who these people are. They say it's a private student loan I took out in XXXX but I was told by the people that helped me fill everything out at the school that I was just going to have federal loans which are currently under XXXX and are in deferment due to my situation. I'm sure I would have remembered taking out a private loan. Also after contacting them abiut the situation and asked for them to send me proof right away and I still haven't received anything and it's been almost a week. They said they tried to contact me for years yet I never got an email or phone call. Honestly feels like a scam and it's putting a halt to my home buying process.
Consumer complaint received 2023-09-05
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. (TX)

. 
Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( TransUnion, XXXX, and XXXX ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Consumer complaint received 2023-08-10
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-10
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)

XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, XXXX, XXXX, and Experian, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights. 

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other. 

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely XXXX, XXXX, and Experian, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit report.
Consumer complaint received 2023-05-31
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXX # XXXX