davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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. 
XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170000.00} XXXX XXXX  XXXX Balance : {$490.00}
Consumer complaint received 2021-01-09
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2023-02-27
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (FL)

I FIND THAT CONTEMOPORARY INFORMATION CORPORATION IS STILL BEING WILLFULLY NEGLECTFUL IN PROPERLY INVESTIGATING MY CONSUMER FILE. 

I requested that it be forwarded to me any supporting or justifying documents Contemporary Information Corporation as on my file that ALLOWS THEM TO report this alleged eviction, as requested in my initial communication. This has been an infringement to my right to privacy.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX XXXX issued me XXXX credit cards and I have had these cards for years. I pay all my payments on time. 

The issue is that the company does not report the correct balances each month and the balance they submit is always higher than actual balances and it makes my FICO Score go down and now I am tired of this happening and want it to stop. 

Wrong Balances on Both cards.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NJ)

There are 2 accounts appearing on my Credit Karma XXXX, XXXX XXXX and XXXX XXXX that are still appearing as open but XXXX deleted these account months ago but Credit Karma will not delete them I am asking that Credit Karma obtain updated information for these 2 accounts from XXXX so that they can be deleted from the Credit Karma XXXX as they have already been deleted from regular XXXX. So I am asking you to please help me as Credit Karma will not remove these accounts and they are negatively impacting my credit score and stopping me from obtaining housing. All Credit Karma has to do is get the most updated information about these 2 accounts directly from XXXX and XXXX will have no information on these 2 accounts which will prove that they have already been deleted from XXXX and should therefore be deleted from the XXXX report that Credit Karma shows. I am attaching my most recent Credit Report directly from XXXX which does not show XXXX XXXX and XXXX XXXX reporting to my credit report which clearly shows they have been deleted and proves that Credit Karma does not have the most updated information on these 2 accounts.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

Ive spoken with Truist Bank on multiple occasions regarding some checks that were sent from XXXX XXXX XXXX XXXX, which would close out the remaining of the loan since the vehicle was a total loss. Ive spoken with multiple representatives over the past 2-3 months that mentioned that they would escalate my issue with the checks not being applied to my loan balance. As of today, the loan is still open and accruing interest. One of the checks from XXXX XXXX was cashed by Truist and never applied to my account. I sent three emails to XXXX on separate occasions regarding the checks that never applied to my account and no one ever gets back in touch with me. I began to wonder if they are discriminating against me due to my name being XXXX. There is no follow up and this has impacted my credit score.
Consumer complaint received 2023-02-16
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)

When I reviewed my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof The following account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2023-02-16
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither 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 inquiries. 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 reports no consent is fraud.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal Credit Union illegally put a block on my account after a dispute I submitted regarding fraud transactions. They told me that I will not be issued a new debit card for a whole year due to the fraud transaction as if it was my fault that someone fraudulently used my card. I would like my Business Debit Card to be sent out to me and I would like the fraud transaction to be properly investigated because I was robbed. My account/ debit card was comprised/ stolen from me and money was stolen from my account. Navy Federal legally has to cover me for these fraudulent transactions. Please help me. I do not want to go the legal route. I just want to be treated equally as a consumer. I should be protected for fraud charges as agreed and I want my business debit card to be sent out to me.
Consumer complaint received 2023-02-16
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. (OR)

In my last complaint, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2023-02-16
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. (CA)

Pursuant to the Fair Credit Reporting Act FCRA, these accounts listed below are violating my federally protected rights to privacy and confidentiality. 

XXXX - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX The banking system is very dependent upon fair and accurate credit reporting. Any inaccurate credit reports directly impair the efficiency of the banking system and undermine the public confidence of this very same banking system. 
I sent out letter to the credit bureaus on XX/XX/2022 disputing these accounts, requesting them to be REMOVE from my credit file. Pursuant to 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER; ( 1 ) In response to a court written order, having jurisdiction to issue such order ; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give the bureaus any oral or written instructions to furnish any consumer report on my behalf.

The credit bureaus wrote me be stating that the information was verified. But how can it be verified when they did not follow proper procedure according to the law? They did not provide me with what reasonable procedures they used to verify these accounts. 15 U.S CODE 1681e ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT. ( b ) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum accuracy. It's very clear the credit bureaus are using my private information at my expense by damaging my consumer credit report and credit worthiness for their own financial gains with the data furnishers who they have special business interests with and neglecting I, the consumer who they are lawfully obligated to deal with in a manner that is fair and equitable. 

I, hereby demand the removal of the previously mentioned accounts from my consumer report effective IMMEDIATELY. and a { XXXX } fine for every violation of unauthorized information on my report since I first contacted the bureaus on XX/XX/2022 pursuant to U.S.C 1681n- Civil liability for willful noncompliance ). The credit bureaus continue to damage my CREDIT WORTHINESS AND MY REPUTATION.
Consumer complaint received 2021-01-09
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 noticed some accounts while looking over my credit report recently that are incorrect. These accounts are not mine and are fraudulent. I have not given access to my credit report to anyone so I do not know how this could have happened. Please investigate this issue and have these fraudulent accounts removed from me credit report so that I can obtain new credit.
Consumer complaint received 2021-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP (OK)

I took out a loan beginning in XXXX. I signed all of the closing paperwork documents On XX/XX/2020 And provided all documentation prior to signing as the process happens. I've been continually contacted since then to provide more documentation. XXXX even requested documentation for card and account that I do not own. I have reported this to several different people and ask for supervisors on 2 different occasions and have never been called back. So I have a sign loan contract and bills that are unpaid because they will not send out the amount the contractor is for.
Consumer complaint received 2023-08-01
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. (FL)

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 information is inaccurate.
Consumer complaint received 2023-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
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)

My name is XXXX XXXX, this complaint is not made in error neither 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 and inquiries. 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 reports... no consent is fraudXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-02-16
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. (OR)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$0.00}