davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is 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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-15
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. (KS)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$12000.00}.
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (CA)

I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX XXXX  XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to Equifax, XXXX, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

As of XX/XX/2018 Synchrony Bank/XXXX XXXX Credit card was closed. I wasnt informed of this action from the company intil a month later. When I received notication from my credit monitoring service. I called the company and the representative stated that the company had pulled my credit report ( this was done without my consent ) and decided to close my account because I wasnt using the card and because my credit score had decreased. This is a furniture card. It is not customary for people to make major purchases for furniture often. Also, I had never been late paying any payments on this account and I paid off my balance earlly. I had a XXXX balance. I just think thats its unfair to close an account held by a good paying customer due to the response they listed. This account closure has significant affected my overall credit score because by loosing this account it increased my overall credit card useage. Its not right for a company to try, for no reason, to put a person in financial distress.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services (SC)

I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX Lendmark Financial S XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX
Consumer complaint received 2022-11-11
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. (ME)

I work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}
Consumer complaint received 2022-12-27
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. (PA)

Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX  XXXX without my consent. According to FCRA, this is against Hipaa law.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

I made a deposit at Wells Fargo in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I then asked to close my account and issue the check. They told me that I am unable to access funds or close my account due to a lack of banking activity. 

My funds are frozen and I'm not able to access my account or close it.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-11-29
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. (FL)

I have submitted the required information to the three major credit bureaus to have my information that was a result of identity theft to be removed and or blocked within the four days required by FCRA 605B and they have not done so. XXXX XXXX and Experian have failed to remove the fraudulent accounts and inquires as required by the statue.
Consumer complaint received 2021-09-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CO)

I am Submitting a complaint against Aldous & Associates and XXXX XXXX XXXX XXXX Account is reflecting a new account reporting a collection for an Account that was closed more than 3 years ago. This Resulted in my First Delinquent Mark in my credit history With a 35 point deduction. 
I have not been provided any requests for collections via Mail or Email with a receipt. 
The XXXX XXXX XXXX and Aldous & Associates will not even allow me to pay or provide me information on my account. This includes past receipts, the companies involved did not provide any of these either.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I have disputed this unknown account because it popped up on my credit reports one day. Its not my debt. I never received any notice of collection nor any proof of said collection. No statements, receipts or anything. No phone calls emails or mail. Just sitting on my credit report with no proof also reporting incorrectly. All correspondence should be sent back to this complaint
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts listed below XXXX XXXX XXXX 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 2018-03-05
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)

FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS
Consumer complaint received 2022-12-27
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2018-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, TransUnion, XXXX, and XXXX. I have also disputed an address listed on TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.
Consumer complaint received 2023-05-15
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. (NC)

I hereby file this CFPB Complaint regarding fraudulent entries on my credit report, which have surfaced recently. I did not authorize or participate in any of these entries, and they have significantly damaged my credit score, causing severe financial harm. Although I have made considerable efforts to challenge these fraudulent items with both the credit reporting agencies and the creditors involved, their response has been unsatisfactory. Despite providing compelling documentation and evidence of the fraudulent activity, these items remain on my credit report, inflicting ongoing damage on my credit score. I am convinced that the fraudulent items resulted from identity theft, and I am deeply concerned about their potential long-term consequences on my financial well-being. I, therefore, formally request that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that these fraudulent items are expunged from my credit report, and my credit score is restored to its previous level. Specifically, I insist that the following items be removed from my credit file : XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The fraudulent items on my credit report comprise multiple credit accounts that I did not open, as well as various charges and loans that I neither initiated nor received. Their total amount is significant, and their impact on my credit score has been negative.
Consumer complaint received 2023-11-29
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)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION AND FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND SHOWING PROOF THESE ACCOUNTSDONT BELONG TOME.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, After recently reviewing my credit report I noticed several inconsistencies remain despite my previous disputes, regarding the account ( XXXX XXXX XXXX ). XXXX is reporting a high credit balance of {$0.00}, and XXXX has deleted the account due to not being able to accurately verify it so how did you? These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. This is not an opportunity to reinvestigate. Please DELETE this erroneous item immediately.
Consumer complaint received 2023-07-13
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$210.00}
Consumer complaint received 2023-11-29
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: Early Warning Services, LLC (TX)

In accordance with the Fair Credit Reporting Act, Early Warning Services , LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 1602. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Early Warning Services , LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information and any such use is in violation of 18 USC 1028A Aggravated Identity Theft.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Early Warning Services had possession of my information.
Consumer complaint received 2022-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OR)

On XX/XX/2021 Midland Credit Management sent me a letter stating that I owed {$110.00}. 

I believe that this amount is incorrect. I believe that I owe under {$100.00}. I sent a previous complaint to CFPB about XXXX XXXX, ID # XXXX.
Consumer complaint received 2023-07-13
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}