davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
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: Experian Information Solutions Inc. (MA)

There are a few Inquiries on my credit report that I did not authorized, I do not know how these inquiries ended up showing on my credit report. The first inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019, the next inquiry is from XXXX XXXX XXXX with an inquiry date of XX/XX/2019, the third inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019, and the fourth inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019. Delete these inquiries because there is no permisible purpose and if there is I would like for Experian to provide me with it, according to the FCRA my signature is needed in order for my credit to be pulled.
Consumer complaint received 2023-06-01
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. (TX)

I sent in proof that the car dealership released the lien on my car and that the car dealership sent me my car title showing my vehicle is paid off. XXXX and other credit agencies refused to remove or update the error on my file to being paid and closed. They didn't send me any documents showing why they denied my request to update my credit report. This has caused me great harm and stress. My credit report score has gone down because of this error.
Consumer complaint received 2019-12-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that
Consumer complaint received 2023-08-03
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. (MO)

CFPB Writeup : 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. 

I told the Equifax, XXXX, and XXXX to reinvestigate these accounts : XXXX ( XXXX ) - XXXX XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX, XXXX XXXX ( XXXX ) - XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, and XXXX XXXX  ( XXXX ) XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-03-15
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. (NY)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$230.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX2022 we inquired regarding a property listing with address XXXX XXXX XXXX XXXX XXXX XXXX, CA. Thar same day we were contacted by a suppose owner stating information on property. He sent over an application we filles it out. On XXXX XXXX2022 we received an email stating we had been approved with an attached doc. XXXX XXXX letter signed by the landlord. We sent over $ XXXXas it was requested for downpayment to lease home. He was asking for XXXX, but we asked for bank account information to wire or transfer. He sent over following bank info. Account name : XXXX XXXX XXXX ROUTING # XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. We felt secured sending these funds since we were banking with the same financial institution, and we were told by clerk it was safe. We Sent {$5100.00}. We were frauded out of our money the property didn't belong to this person. We made contact with XXXX XXXX XXXX # XXXX email XXXX. I filled a police report with the XXXX Police Department with case # XXXX. I made a dispute with Bank of America XXXXXXXX XXXX2022 claim # XXXX2022-XXXX. Received mail dated XXXXXXXX XXXX,2022 saying they couldn't recover funds. Even though proof was presented. Of Fraudulent activity. Aside from my money my other concern is how is bank of America letting people open account to scam its costumers.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.
Consumer complaint received 2019-01-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Collections U.S.A., L.L.C. (FL)

Credit Collections USA LLC, has placed a collection for {$83.00} on my credit report and according to the State of Florida license search they are not permitted to collect in this state. I am requesting that this debt be removed from all the Credit bureaus such as XXXX, XXXX, and XXXX speedily. 
The date that this collection was opened was XX/XX/2017 The Balace is {$83.00} The Reporting debt is {$83.00}
Consumer complaint received 2024-03-15
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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Original Creditor XXXX  XXXXXXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXX  Original CreditoXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$590.00}
Consumer complaint received 2019-12-03
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. (CA)

I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.
Consumer complaint received 2019-12-03
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. (CA)

I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. With this, I am asking for your assistance to remove these fraud items in 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 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 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

have opted out of overdraft several times. overdraft still happens. still charged fees. 
extended overdraft resulted in access to account being limited and card being shut off without notice. this resulted in issues paying bills and accessing money deposited in account. fees paid.
Consumer complaint received 2023-05-11
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. (GA)

This complaint is about Fraudulent Hard Inquiries into my TransUnion Credit File On XXXX XXXX I received an alert notification from XXXX about a new inquiry into my credit. After logging in to both XXXX and XXXX XXXX, I was able to confirm that a fraudulent new Hard Inquiry was made into my TransUnion Credit File by XXXX ( whoever that is ) on XX/XX/ ( Today ). 
I was also shocked to see that another fraudulent hard inquiry was made on XX/XX/ by XXXX ( whoever that is ). 
Both inquiries listed the contact phone numbers for both companies. I tried contacting both companies but the numbers are disconnected ( no longer working ). 

I am hyper conscious about managing the number of hard inquiries into my credit file due to the impact it has on my credit rating. These Fraudulent inquiries are killing my credit score After contacting TransUnion Fraud dept, I was instructed to file a complaint with the FTC for Fraudulent Transaction as part of the process to have the hard inquiries removed. 

I have frozen my acct at TransUnion for now out of an abundance of caution that my ID may be compromised.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-12-03
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 found out that there are two accounts on my credit report that do not belong to me. I found out today XX/XX/19 when I signed up for a credit monitoring service because I am working on improving my credit. I did not know these accounts were on my credit report because I did not open them, I've never had any written/verbal contract with any of these companies nor have I allowed anyone else to open an account with these companies. I suspect that they belong to my father XXXX XXXX XXXX. I am still investigating the situation and I have already filed a police report. I did not benefit any money, goods, services or any other benefit from any of these accounts.
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Originally was misinformed, deceived, not made aware of how my Mortgage was going to constructed from the beginning. Currently no communication ability with the current Mortgage company XXXX XXXX/Shellpoint. XX/XX/XXXX wasn't made aware of Presidential disaster relief. 
Victim of XXXX XXXX  company forbearance scam. 
Now I haven't a lawyer group forclosuring on my property with my signature on documents I didn't sign. 
Need help with the stop of forclosure XX/XX/XXXX house goes on auction and My XXXX kids, ( XXXX, ) and XXXX Veteran, father and myself are XXXX. I also have equitable interest in the sercurities on the loan.
Consumer complaint received 2024-03-14
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXXAccount Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this