davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (UT)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, 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. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX - XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX - XXXX {$7000.00} XXXX XXXX - XXXX I XXXX not authorize the following inquiries. 
XXXX XX/XX/22 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-14
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: EQUIFAX, INC. (OK)

I am looking to purchase a house this year. I am a married father of XXXX. I noticed an inaccuracy on my account. I reached out to the courthouse and was asked if it was possible that the mistake could have happened on their end. I was alerted that they do not report to bureaus and that a person 's social was never shared. I then attempted to reach the bureau by phone, but to no avail. XX/XX/2021, I proceeded to mail a letter demanding to see verifiable proof as stated by the FCRA. I included the correspondence from the courthouse. They were shipped certified mail. I waited 30 days and sent a follow up. Almost 60 days later, I have yet to hear from them. I feel like my rights are being violated. I just want to be able to provide a decent home for my family and their errors are making it difficult. They are picking on the little guy.
Consumer complaint received 2021-03-14
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. (NY)

XXXX, TransUnion and XXXX  have overused their assumed position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I PURCHASED A LEASED VEHICLE FROM XXXX  XXXX XXXX BACK IN XX/XX/XXXX.FAST FORWARD TO XX/XX/XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX  XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. WELL A FEW WEEKS AFTER THE PURCHASE I WAS MAILED A REMAINDER STATMENT FOR MILEAGE AND WEAR AND TEAR. I IMMEDIATELY REACHED OUT TO XXXX  XXXX XXXX TO SEE WHAT THAT WAS ABOUT. I WAS TOLD HE WOULD LOOK INTO AND HAVE IT FIXED. WHICH WAS THE LAST TIME I HEARD ANYTHING ELSE ABOUT THE LEASED LOAN. WELL I AM CURRENTLY IN THE PROCESS OF PURCHASING A HOME AND I WAS ADVISED THAT THE LOAN IS STILL SHOWING CURRENT AND OPEN, WHICH WAS MINDBLOWING TO ME AS I HADNT MADE A PAYMENT SINCE XX/XX/XXXX& THE BALANCE WAS SUPPOSE TO BE TAKEN CARE OF.
Consumer complaint received 2024-03-18
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. (MN)

I am submitting to express my urgent concern regarding the handling of fraud-related items on your platform. Recently, I have observed numerous instances of fraudulent listings, which not only undermine the integrity of your service but also pose significant risks to your users. There seems to be a delay in removing these fraudulent items, leaving them accessible to unsuspecting customers for an unacceptable duration. This delay not only erodes trust in your platform but also exposes users to potential financial losses and other harms. I urge you to take immediate action to enhance the efficiency of your fraud detection and removal processes. This may entail investing in improved algorithms for detecting fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. Additionally, I recommend establishing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are crucial in maintaining the trust of your user base. Failure to promptly address these issues not only reflects poorly on your company but also endangers your users. I implore you to prioritize the safety and security of your platform and to take proactive measures to combat fraud effectively. Furthermore, I am seeking your assistance in removing or correcting the following fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (SC)

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 U.S.C. 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. 605 ( 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 ) Section : 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 2021-08-31
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: AMERICAN EXPRESS COMPANY (CA)

I contacted XXXX  regarding an unauthorized hard inquiry on my consumer file. XXXX  did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my XXXX consumer file. 

Furthermore, I called XXXX again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. XXXX violated the FCRA and I am entitled to compensation.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX  Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-03-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XXXX XX/XX/2020, I attempted to pre-order an XXXX XXXX XXXX using XXXXXXXX XXXX " XXXX All Access '' program. I chose XXXX as the vendor and, after completing the order, realized the XXXX XXXX was replaced with an XXXX XXXX XXXX I tried to cancel the order and was told it could not be canceled and I would need to return it once received. 
The day it arrived, I returned it using the RMA label provided via the All Access portal. There were no email addresses or phone numbers for me to check the status. Citizens One advised me that once I returnedthe XXXX, the account would be closed. 
A couple of months later, I received late bill notices from Citizens One. I checked my credit bureau report and discovered a derogatory history from Citizens One indicating I was delinquent. I have spoken to Citizens One several times for hours at a time, and each time I was told a manager is reviewing the matter. 
Citizens One eventually verified the XXXX was returned butstated they would not close the account until their contract partner " XXXX '' credited the loan back. I was assured that the account was not in collections, yet I still get monthly emails, letters, and text messages from the collections department, followed by lengthy phone calls that lead to no results. To date, no manager has called or emailed me to resolve the matter.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

For whatever reason, the store shows a temporary debit from XX/XX/28 for XXXX on my charge card I did not make or use. I've tried reaching both the store and synchrony, both blame the other and say there is nothing they can do.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America XXXX XXXX XXXX, DE XXXX Identity Theft On XX/XX/2021 I received two letters in the mail notifying that account number ending in XXXX and account ending in XXXX were closed and not to use the checking account or debit cards for either account anymore. I did not open, authorize nor approve these accounts. I spoke with XXXX at Risk Fraud XXXX who created Claim # XXXX. It was indicated there were 11 accounts open at one time. It was believed accounts may be closed. Also on XX/XX/2021 received a letter from XXXX XXXX XXXX stating someone opened a deposit account with Bank of America and was attempting to transfer funds. This attempt was denied. I spoke with XXXX at XXXX. She advised to file a dispute by reviewing the consumer report for the last seven years which she was to mail to me. She requested personal information which I did not fully give due to the identity theft concerns. I am still waiting for this report.
Consumer complaint received 2021-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports
Consumer complaint received 2021-03-13
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. (MN)

I have been trying to get this issue resolved since XX/XX/2020 and each time reaching out to this company thats reporting on my credit report which is XXXX XXXX XXXX I keep getting undeliverable mail back. The Credit bureaus claim this account is verifiable and have yet to send me any method of verification. This company is violating my rights according to the FCRA. This shouldnt even be on my report and also reporting inaccurate information.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (IL)

American Express Bluebird deleted and officially withheld my bank statement for card ending- XXXX. From XX/XX/2021 to XX/XX/2021 I am illegally missing my statement and transactions for that timeframe. I have proof because a was able to see my unemployment and now I cant look it up for those past weeks. Not through the app or the online browser. I printed back on the XXXX but all the transactions I needed to see arent on the copy I initially populated on the XXXX of XX/XX/2021 2021
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, I got a call threatening if I didn't call back they'd start legal proceedings. I called back and a lady said that I owed Wachovia/Wells Fargo about {$1500.00} from my old checking and savings account there. She could have said credit card debt, I'm not sure. 

I took my money out of Wachovia after its XXXX meltdown, so I presume the lady was talking about then or before. Almost 12 years after the event! I know I had no credit card then because I got the first credit card of my long life ( I'm now XXXX ) in about XXXX, from the XXXX XXXX XXXX. 

Nor do I see how I could have obtained {$1500.00} from XXXX any other way. When I moved my money no-one said anything about owing. Anyway, the women threatened me giving me my correct social security number and my current address. It felt like a mafia shakedown, especially given the perfidy of both Wachovia in its subprime bundled mortgage scam that helped bring down the world economy for so long, and Wells Fargo 's creation of many accounts not requested by their customers.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2021-03-13
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. (IN)

I have contacted equifax via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but has yet to send me anything. I have not received any information on these 2 accounts any information when it initially went on my report.