davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX
Consumer complaint received 2023-06-12
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)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-06-12
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. (PA)

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.

The letters are stated with items and issues.

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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2022-11-10
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. (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. 
HARD INQUIRIES *XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX *XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVED THESE INQUIRES!! 

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 2022-11-10
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. (GA)

Greetings, 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL

I am contacting your company in regards to an item(s) on my report 
that seems to appear to be a direct violation of FCRA Laws and fraudulent practices.
I have attached the account(s) with these errors and fraudulent practices:

(Please see supporting documents attached)

I would l like to break down the number of ways your company has violated and broken the law
1. Per FCRA you must verify and validate accounts with the original creditors, I have 
contacted US Bankruptcy Court and they have confirmed that they do not furnish any 
information to ANY third party entities and would only do so to government agencies. 
Let me remind you, that you are not a BUREAU, therefor you are not the government.

2. In conclusive to the above reference, the company that has violated Section 623 had no 
authority to furnish this information to you and I am requesting that this letter is 
forwarded to them as well for them to cease breaking the law

3. Your company has to date violated 15 US Code 1681 S-2 (a), and would then violate 15 
US Code 1681 S-2 (b) after this notice if you all choose to be WILLINGFULLY NONCOMPLIANT and do not remove this account from my report
4. Your company along with this unknown entity that has furnished this information has 
coerced with identity theft as I have not given ANY type of consent for you all to furnish
this account on my consumer report or to any third party; THIS IS AGGRAVATED 
IDENTITY THEFT IN ACCORDANCE TO 15 USC 1681-C2.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (IA)

First national Bank of Omaha received my XXXX payment of {$110.00} and did not give me credit for it and made my XXXX payment {$270.00} when it should have been {$120.00} at most and ever since the skyrocketed over {$1000.00} now I've offered them cash settlement they will not even talk to me about it they're acknowledging that I made the payment on XX/XX/XXXX but they never gave me credit for it my main statement says I missed my XXXX payment and they charge me late fee plus they're charging me for XXXX payment after I made it and they admitted to the fact that I've made it but they are not giving me credit for it
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (CA)

XXXX XXXX  shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them.

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have Items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (IA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Reporting agencies Experian, XXXX, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.
Consumer complaint received 2022-11-10
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. (FL)

I filed XXXX XXXX bankruptcy here is this information on it : Record type : XXXX XXXX bankruptcy discharged Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Reference number : XXXX I am a victim of identity theft. My personal information was exposed in a data breach in XXXX. This has harmed me beyond repair and the fraud has been included in the bankruptcy which is appearing on my credit report. I have filed an FTC Identity theft report # XXXX Here are the items appearing on my Experian Credit Report Number XXXX : Account name : XXXX  XXXX XXXX Account XXXX Account type : Credit card Date opened : XX/XX/XXXX and also Account name : XXXX  Account XXXX Account type : Charge Card Date XXXX These accounts are both from the data breach that was brought to light by XXXX in XXXX. I am including pictures of both of the fraudulent items as well as documents for identity verification as required by the FCRA.
Consumer complaint received 2022-11-10
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I received notice that you verified certain items on my credit report from the following companies. 
1. Ars Account resolution Please tell me how you did that. Who did you talk to at the original grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tellme exactly how you verified them and include the full name of the person you spoke with.

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will these trade lines be past the reporting timeframe? Dont provide the generic 7 years response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
Supply your response within 15 days or delete the trade lines Best regards XXXX XXXX
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (VA)

I sold my house in XXXX  and paid off the mortgage with Mr. Cooper in XX/XX/XXXX. I moved to XXXX, where I am trying to buy a house. Mr. Cooper has never reported the mortgage history on any credit bureau. I need that history reported to complete my new mortgage. 
I contacted Mr. Cooper on XX/XX/XXXX, and asked them to report it. Unsatisfied with the answer, I spoke with a person identified as a supervisor. He told me because we had experienced a bankruptcy in XXXX, that we should have reaffirmed the mortgage and did not. We were unaware of an action called reaffirmation. He said Mr. Cooper could not report anything to a credit bureau due to the non-reaffirmation. 
I told him I would be contacting the CFPB ( on the advice of our new lender ), and he said " go right ahead '', implying he was not going to do anything to comply.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (KY)

I paid XXXX XXXX {$370.00} via XXXX on XX/XX/24 for a XXXX XXXX console and accessories. XXXX XXXX never shipped the items, relisted the items for sale, and refused to refund me my money. 

On XX/XX/24 XXXX refused to refund me or reverse the transaction. 

On XX/XX/24 Chase Bank refused to dispute the charge saying it's my fault for being scammed.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (GA)

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 XX/XX/2022.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (CA)

The following companies are reporting fraudulently opened accounts under my name and are tarnishing my credit report. The first account is XXXX XXXX XXXX which was opened fraudulently on XX/XX/XXXX. The Second fraudulently opened account is XXXX XXXX  opened on XX/XX/XXXX and the third fraudulent account opened without my consent or permission is XXXX XXXX XXXX opened on XX/XX/XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC (CA)

I politely asked the company, whoever they may be, to avoid contacting my workplace due to our policy against personal calls and our obligation to safeguard customers ' sensitive personal data. Despite my request, they continued to call my workplace ( XXXX XXXX is my workplace number ) without veritying any of the information who they are or what they are requesting other then asking for my social and address. In response, I recommended that they send any necessary documents or intormation by mail, as I am not familiar with their identity. I even offered to provide my XXXX XXXX XXXX them to send their correspondence, but they declined to reveal their identity or intentions through mail, insisting on communicating exclusively over the phone. This refusal to send anything by mail is quite unusual. 
Given my past experience of having my information compromised, I am hesitant to confirm sensitive details over the phone and would rather rely on mail for my own security. They called me XX/XX/XXXX and XX/XX/XXXX from phone number XXXX and XX/XX/XXXX from phone number XXXX and the same day XX/XX/XXXX. After looking up their information they are called Transworld Systems Inc?
Consumer complaint received 2022-11-10
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. (CA)

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 Experian is 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 items 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 account that should be adjusted is : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I received a bill from a debt collection agency, Gulf Coast Collection Bureau, XXXX Fl. after looking it upon the net it seemed legit. I called the actual provider of the service ( XXXX XXXX ) and found I have no outstanding debt.