davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (KY)

TransUnion it is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. I have made several disputes on XXXX XXXX XXXX  XXXX Acct # XXXX, please delete erroneous immediately. A proper reinvestigation was not completed or you would see all the inaccurate and incomplete information on my consumer report. Here are a list of inaccurate and missing information I found. 
XXXX. XXXX XXXX but missing data see bank statement. Fix it or delete entire account. 
XXXX. XX/XX/XXXX paid amount but 30 days late. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in amount paid. How do I pay XXXX? Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in the amount paid. How do pay zero? Fix it or delete entire account. 
XXXX. XXXX thru XX/XX/XXXX missing data but ok. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid section. 
XXXX. Missing information XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. Fix it or delete entire account. 
XXXX. Incomplete and missing data from XX/XX/XXXX XXXX XX/XX/XXXX. Fix it or delete entire account.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

I am writing to file a formal complaint regarding an account that appears to have been fraudulently opened in my name without my consent. Upon reviewing my credit report, I discovered an account that I did not authorize or initiate. The details of the account are as follows : Account : Comenity Bank / Jareds Date Opened : XX/XX/year> as per credit report Current Balance : XXXX From what I know, my ex-partner is the individual who opened this account and used it for her financial gain. I attempted to resolve this issue directly with the company in question, but they refused to open a case or provide me with the necessary information to make a complaint, citing that it has been a long time since the account was opened. 

I want to emphasize that I have no knowledge of this account, nor did I give permission for it to be opened. I believe that my personal information may have been compromised, as similar incidents have occurred with other credit card companies. 

I am deeply concerned about the implications of identity theft and the potential damage it could cause to my financial reputation. I request that the Consumer Financial Protection Bureau intervene in this matter and assist me in resolving this dispute with the company. 

Furthermore, I request that the company conduct a thorough investigation into this matter. It is imperative that they confirm that I did not authorize the creation of this account. 

I also request that the company take immediate action to remove this fraudulent account from my credit report. False information such as this is damaging to my financial reputation and credibility. 

Please provide me with written confirmation once an investigation has been initiated and the fraudulent account has been removed from my credit report. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint with the seriousness and urgency it deserves.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

Company continues to lie and not delete an account that does not belong to me. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. I have been disputing this account for several years. I have submitted supporting documents, such as XXXX reports XXXX reports and proof of fraudulent account. They continue to not remove the account nor show me any account information.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries. 

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my credit score. I suspect that these inquiries are a result of identity theft or errors in reporting. 

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services. 

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries. 

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence. 

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections. 

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future. 

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : XXXX XXXX XXXX  XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-11
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. (MO)

I hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries. 

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my XXXX XXXX. I suspect that these inquiries are a result of identity theft or errors in reporting. 

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services. 

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries. 

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence. 

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections. 

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future. 

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-11
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. (MO)

I hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries.

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my credit score. I suspect that these inquiries are a result of identity theft or errors in reporting.

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services.

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries.

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence.

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections.

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future.

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : MO CHLD SPRT XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX MO CHLD SPRT XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
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)

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I bought a vehicle from a company called XXXX XXXX in XXXX XXXX TN. I paid for a XXXX XXXX XXXX bi weekly. One day the company shut down and put a paper note on the door stating we now make our payments to XXXX XXXX XXXX  No other notices or papers were given. This was extremely unsettling and sketchy for most people. I did continue to pay my note but this was never reported to credit bureau. On XX/XX/XXXX I traded the vehicle in to XXXX XXXX  in XXXX TN and they paid off the remaining {$3700.00} of this loan. XXXX XXXX XXXX conveniently started to report to the bureaus on that day XX/XX/XXXX and is saying that I still owe them the money when I do not. They have a habit of texting their customers and advised me that the loan was paid off but I supposedly owe them {$600.00} for a balloon payment. If this is even the case why do they keep reporting back to the bureaus that the information is correct on my credit report when it is not? The loan is paid off and I do not have possession of the vehicle any longer!!!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (MA)

I am writing to report an instance of identity theft that appeared before me on XXXX.Recently, I was informed by XXXX that an American Express credit card had been opened under my name through XXXX. The reported amount associated with this account is {$430.00}. I want to clarify that I did not authorize or open this credit card account, and I have reason to believe that my personal information has been fraudulently used. 

The account was opened under my name. I suspect that my identity was stolen and used without my consent, which has led to this fraudulent activity. This issue poses a significant risk to my financial integrity and credit score.

I am seeking your assistance to investigate this matter thoroughly and to help me resolve the issue by removing the fraudulent account from my credit history. Additionally, I would appreciate guidance on further protective measures I can take to secure my personal information. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

XXXX has been difficult to get ahold of as well. I have been trying to also use their website but they are reporting they can not find my SSN.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

I have sent a letter to Wells Fargo Dealer Services to opt out of my information being reported to any third party. They have been reporting my information for over XXXX  months and I did not give consent or authorization per 15 USC 6802. I have attached my letter sent to Wells Fargo
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

l exercise my rights as a victim to use XXXX XXXX XXXX XXXX with Equifax. I submitted a letter stated which adverse items were to be blocked, I submitted a XXXX XXXX XXXX confirmation letter from the NYS. I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. Equifax stated they removed the adverse items they believe should be removed and kept what they believe should be kept on my credit report.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.