davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$270.00} TRANSUNION : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance : {$270.00}
Consumer complaint received 2019-12-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (OR)

Please refer to # XXXX complaint on file to CFPB. I am continually getting letters from Key Bank on " late payments '' on my account. In my complaint, as stated in my original complaint, I have not received any documentations, statements, itemizations on my account for 6 plus years yet Key Bank has continually sent me " late payment '' notice every weeks. Throughout the years, I have not missed any payments and yet Key Bank has punished me with " late payment '' notice forb the past several months. I need help. I need clarification on why I'm receiving these notices and the payment structure of the trust deed. Perhaps a sit down meeting with a Key Bank person will clear this issue. Letters sent back & forth will not rectify this issue. 
Please help us correct this problem.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (IL)

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.
Consumer complaint received 2022-10-04
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. (AZ)

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. 

Account name : XXXX XXXX XXXX ; Account name : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX Account name : XXXX XXXX, XXXX, XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX XXXX 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.

15U. 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 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 reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-04
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)

a little while ago I printed my Experian credit report and noticed some fraudulent activity which caused XXXX upon me and hardship and loses. I reported to Experian that this accounts were fraudulent, unauthorized and without my written consent added to my credit report. so far Experian has refused to do a proper investigation of these accounts and failed to provide information requested after Experian verified the accounts as certified. on XXXX XXXX I mailed Experian a letter requesting information of the reinvestigation through certified mail a copy of my identity theft report, FTC report along with a copy of my ID, Social security card and a utility bill which according to the XXXX receipt return they received on XX/XX/2022, I called Experian on XX/XX/2022 to follow up and they told they didn't receive proof of identity. according to the FRCA everything in my reports has to be 100 % accurate and Experian handling of my disputes and reinvestigation violates several sections of the FRCA. 

Experian stated that these accounts were properly investigated and came back as verified and failed to provide information requested. however, how is this true when these accounts are fraudulent and FTC report and Identity theft report was mailed to them through certified mail?

605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation - ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my file immediately : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SD)

On behalf of Wells Fargo Bank cases, my husband and I had our house in foreclosure on XXXX  and we lost it cause they didn't gave us options. 

Also I had a scam that they charge me the amount of XXXX and froze my husband account because of it.
Consumer complaint received 2019-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section XXXX, and pursue legal action. 

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]
Consumer complaint received 2022-10-04
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. (NC)

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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$400000.00} ; XXXX XXXX  XXXX Balance Owed : {$16.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-01
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. (AZ)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX 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
Consumer complaint received 2022-10-04
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. (TN)

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. 

Account name : XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-10-04
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. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB Complaint I submitted addressed to the Credit Bureaus. I sent a letter to the Credit Reporting Agencies on XXXX XXXX, XXXX, requesting the Credit Reporting Agencies to remove the disputed fraudulent accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XXXX XXXX, XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03
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: Experian Information Solutions Inc. (GA)

I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, EXPERIAN AND XXXX HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED ALSO.
Consumer complaint received 2022-10-04
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. (NC)

Im submitting this CFPB complaint to you today as well as to the Credit reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-04
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 sent my letter off on XX/XX/XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below Also I have attached the letter I sent out and here is the Tracking # XXXX requesting them to do on investigation on the accounts below. I also sent another letter on XX/XX/XXXX requesting on re investigation because I was not satisfied with the first results. 
Experian respond by letter stating that the item was verified .I also attached the letter I received from EXPERIANThey stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies on all three Bureaus 1..Acc # # XXXX XXXX XXXX XXXXl XXXX Account detail on account is [ inaccurate Last report on account is [ inaccurate Comments [ inaccurate Date last active on account is [ inaccurate Date of last payment on account is [ inaccurate 2..Acc # XXXX XXXX XXXX  Date open on account is [ inaccurate High credit limit reporting on account is inaccurate. 
Last report on account is [ inaccurate Date last active on account is [ inaccurate Date of last payment is [ inaccurate Please see attached of my updated credit report showing the hiLight inaccurate information on all three beru