davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. 
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 2022-05-23
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. (GA)

On XX/XX/2022 I sent in a letter to the company requesting several accounts to be verified, updated or removed that were reporting to my credit. These accounts, are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts and also inform me of the outcome of their investigation. Furthermore, the company did not update the inaccuracies reporting to my credit file. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate accounts.
Consumer complaint received 2019-11-25
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. (TX)

In early XXXX I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries on all three of my credit bureaus. The letter detailed the specific inquiry in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau, Experian. 

Below are the detailed inquiries I asked to have investigated in early XX/XX/XXXX. None of the 3 credit bureaus responded. Literally, zero response. Which violated the law since they needed to respond in writing within 30 days. I am now requesting under the FCRA since the credit bureaus did not respond to the CFPB investigate this matter further and for the credit bureaus to provide written evidence of their investigation. Please see the attached documents and items details below that were originally being requested to be investigated and evidence provided of an actual written request for a hard inquiry. 

Experian - Inquiries to be investigated : 1.Inquiry Date XX/XX/XXXX, and XXXX, XXXX ( 3 times ) Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX NOTE : The inquiry above should only be once, not 3 times! An error was made by the Experian or the vendor. Only 1 inquiry should show. Please investigate per FCRA. 


2. XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY Note : Above, This is not recognized and should be removed. Please investigate per FCRA. 

3. XXXX XXXX XXXX 
Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, VA XXXX Note : Above, the XXXX XXXX should have been a soft not hard inquiry per XXXX  XXXX as an existing client. Investigate per FCRA 4. One MainInquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Note : Above, I do not recognize this company and do not recall giving authorization. Please investigate per FCRA. 

5. XXXX XXXX XXXX Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Note : Above, I do not recall requesting a credit card in XX/XX/XXXX from XXXX. Please investigate per FCRA. 

Thank you, XXXX XXXX XXXX CFP ( R )
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-25
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

XX/XX/17 : Noticed a collection was reported to my XXXX credit report by a collection agency called : Convergent Outsourcing. I never received any letters or correspondences from Convergent Outsourcing. XX/XX/17 : called the Convergent Outsourcing collection agency to inquire about the collection account they reported to my credit report. I provided them both the account number & my social security number & told them I had never received any correspondences from them & had no idea about the collection. Their response was they do n't have my information on me available. I specified that I am in process of a financing transaction and as the result of this negative reporting I ca n't proceed with obtaining financing. I requested them to remove the collection account since they do n't have any information on me. They said they cant do that at this time. They provided me with supervisor 's email & asked me to email a supervisor which I did and made the request, but the supervisor never responded back.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On or about XX/XX/XXXX, I deposited {$10000.00} into my account with Chime ( account tied to debit card # XXXX. On or about XX/XX/XXXX, I tried to access my account on-line. At some point, Chime allowed an unauthorized person to change the telephone number tied to my account to XXXX ( XXXX, Texas ). My telephone number is XXXX. This individual was also able to change the password on the account so. When I tried to log on to my account, I kept getting the message " Incorrect Password ''. I contacted Chime customer service multiple times between XX/XX/2022 and XX/XX/2022. Chime kept sending the password reset to the fraudulent phone number. Finally on or about XX/XX/2022 I was able to get Chime to reset the password. I immediately noticed unauthorized transactions as follows : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$2000.00} XXXX XXXX  {$500.00} XXXX XXXX  {$500.00} XXXX XXXX  {$1000.00} XXXX XXXX  {$500.00} XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX {$2000.00} ( Return From XXXX ) Credit XXXX XXXX  {$2000.00} Total {$9900.00} Chime has refused to refund these unauthorized transactions. Despite several attempts to obtain the documentation that Chime used to reach this initial decision, Chime has failed to honor my request for the documentation. Accordingly, Chime is in violation of the applicable provisions of Federal Reserve Regulation E. Under this regulation, I am entitled to receive a copy of all the documentation Chime used to reach their initial decision. Their refusal to provide this documentation shows a clear disregard for the regulations and has harmed me significantly. 

Thank you for your prompt attention to this request. 

XXXX XXXX
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (WI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KS)

I used my Comenity XXXX rewards card in late XXXX/early XXXX and my bill was due on XX/XX/XXXX. I get my statement for XXXX and it is the old balance along with interest and a late fee of {$27.00}. I sent a check on XX/XX/XXXX and when I called Comenity it said it arrived on XX/XX/XXXX, 11 days later. They told me they had already removed a late fee from XXXX and can only do so every 18 months, I then said that I RARELY use this card and recalled that I mailed my check on either XX/XX/XXXX or XX/XX/XXXX, it was due XXXX XXXX. And again it didn't arrive until either the XXXX or the XXXX. Told the guy this was very fishy and was going to report it. I am pretty sure these are the only two times I have used this card in the last year. I have since cancelled the card.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on XXXX   side. 

This error also appears on Transunion stating I have a negative account with XXXX when the account also shows paid on time.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Subject : Opt-Out Request under 15 U.S.C. 6802 Dear XXXX XXXX XXXX XXXX I am writing to formally request that XXXX XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that XXXX XXXXXXXX XXXX XXXX has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that XXXX XXXXXXXX XXXX XXXX immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Since XX/XX/2021, I have submitted numerous " Disputes, '' via Fax, along with supporting evidence fully substantiating my claim. All the faxes processed " Successfully. '' Nonetheless, for months, my dispute has gone completely, " Ignored. '' Baclays credit card services " Intentionally, Deliberately, and Willfully, '' deny receiving any/all faxes of my dispute and " Refuse, '' to " Credit, '' my account & investigate my claim. Please help.
Consumer complaint received 2019-11-25
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on experians side. 

This error also appears on XXXX  stating I have a negative account with XXXX when the account also shows paid on time.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX ( C.C.S ) 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 an account without my written instructions.
Consumer complaint received 2024-03-06
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)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-11-07
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)

The following Inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX EQUIFAX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX2022 Also, I have included my credit report showing the inquiries mentioned above. XXXX is charging me for two inquiries on the XXXX XXXX date of XX/XX/2022 it was duplicated please help me correct this.
Consumer complaint received 2020-11-06
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)

I have disputed the XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account. All bureaus except XXXX have removed this fraudulent account from my credit report and XXXX  has never replied to any of my multiple disputes. 

I also disputed the XXXX XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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