davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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 2024-02-08
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. (CA)

Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. I have never had an account with XXXX XXXX XXXX. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX  : Amount {$2900.00}
Consumer complaint received 2024-02-08
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. (DE)

This is a list of accounts that should be taken off of my credit report they are listed under regular inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXtransunion 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  ), Transunion XXXX ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Transunion XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This is a very long list and I don't know how they got some of these firms on this list but I know that they are not mine and they should be removed.
Consumer complaint received 2024-02-08
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. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! 


**They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! 

PLEASE HELP!!! 


***************************************** XXXX XXXX XXXX Balance {$1200.00} Balance updated XX/XX/year> ***************************************** XXXX XXXX XXXX Balance {$840.00} Balance updated XX/XX/year> This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XX/XX/year>
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

After years of being violated by Experian on multiple cases, I have exhausted every recourse and remedy to protect my consumer rights. I have requested my consumer file pursuant to 15 USC 1681g ( a ) but they didn't send it to me, I requested for the description of procedure to determine the accuracy and completeness of all the information I am disputing pursuant to 15 U.S. Code 1681i ( a ) ( 7 ) many times, but the agency did not sent me what I requested in 15 days from the first time I requested on XX/XX/2022 through mail and until now, I have also complaint about identity theft, I even sent my FTC report together with the letter as a proof of complaint but they didn't delete the information in 4 days pursuant to 15 U.S. Code 1681c2, and I sent another FTC report to them together with my last dispute after that which I mailed on XX/XX/2022 and received a response from Experian last XX/XX/2022 through email that they are still investigating the identity theft I complained about and will conclude the investigation on XX/XX/2022 when they should have deleted it in 4 days. 

In addition, Experian changed the address for the child support account into a fake address, a po box , that is being reported on my credit report after mailing a complaint to them last XX/XX/2022 saying that I have not been able to identify the original source of the child support enforcement account. I wrote the address provided on my credit report and I received a letter back saying I wrote the wrong department. I then in turn wrote the court house in XXXX XXXX where family court dispositions are stored. I was informed by the court clerk that XXXX XXXX court does not furnish information to the credit bureaus. My last recourse was to request my credit file from Experian to see exactly who is reporting this erroneous information but to my disappointment even Experian a XXXX dollar company can not follow the law and provide me with the documents congress has granted to us the consumer. I am left with no alternative but to file an identity report with the FTC and send it to them because I do not know where this account has come from so now their response is to change the address again into a fake address hoping I'll just stay silent and write a letter again to the fake address they provided. I want this account deleted for them not being able to verify this nor provide the real address of the account they are claiming to be accurate. I know and understand that data resellers like XXXX seek out public information from the XXXX  system to violate consumers right to privacy and report information that they have no permissible purpose to report.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : {$840.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-09
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. (SC)

n 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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 2024-02-09
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC (CT)

I ordered XXXX and XXXX XXXX last year and pay the final bill back XXXX and there saying I owe a bill.of XXXX, I never received a bill, because I owe no money to them and it says I owe by XX/XX/XXXX of 2022, it wrong, I don't have XXXX no more because i moved in XXXX to a place called XXXX XXXX  on XXXX XXXX XXXX in XXXX and my old address was XXXX XXXX XXXX on XXXX And had no bill send to me until XXXX, I'm not going pay for a bill I didn't make and in collection now with XXXX and have money to pay this bill, because I'm XXXX and can't afford because I can't work to much to pay it and can't find a job okay and shouldn't have pay for some thing I didn't make okay, thank you for reading this note XXXX XXXX, I WOULD LIKE YOU CALL ME AT XXXX XXXX XXXX AND DISPUTE THIS BILL, WHICH I CANT PAY FOR, WHICH IS RUINING MY CREDIT
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

My paycheck is deposited to my checking account at BBVA every XXXX and last day of the month. XX/XX/2018 fell on a banking holiday so BBVA elected, without notice to me, to withhold my pay until the following day. 

Due to financial commitments, I needed to access my money on the XXXX so I made 3 transactions that day. One was a cash withdrawal from an ATM and I was not given notice of overdraft when the funds were released from the ATM - as is typically noted if an overdraft will occur.

BBVA did not process my paycheck until XX/XX/XXXX. They then proceeded to charge NSF fees 3 times for the 3 transactions the day before. 

I continued using my checking account as necessary and had not spent more than my available funds - IF the bank had not delayed my payroll and applied NSF fees when they should not have. The balance continued to snowball and they applied more NSF. 

I contacted BBVA through their website and all I get are generic form letters in return advising of their overdraft policy. The problem of them withholding my pay, without permission or notification, was never addressed. 

Getting nowhere with the bank I filed a complaint with XXXX. A total of {$290.00} in NSF fees had been applied to my account between XX/XX/18 and XX/XX/18. Through XXXX the bank agreed to refund {$110.00}. They stated my employer advised to hold my pay until after the holiday so they were not going to refund the remainder of the fees. I verified with my employer that this was not true and I provided BBVA with proof of this. The funds were processed for distribution on XX/XX/XXXX. My co-workers received their pay on XX/XX/XXXX. Not only did I present BBVA with proof of the payroll process date, I highly doubt my employer ( a large corporation ) instructed pay to be distributed on time to all employees, except me. I believe BBVA uses this deceitful tactic to apply fees unlawfully. 

They still declined to make it right. 

Attachments here include : Confirmation from payroll on XX/XX/18 processing Balance of my account had the transactions processed properly
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NC)

On XXXX XXXX, 2022, I attempted to send money to my girlfriend for bills through XXXX ( as I do often ) using my connected Chime Account. When trying to send an amount of {$380.00} to her via XXXX, I received an error stating that the transaction was declined by my bank ( Chime ). I followed up with her to see if anything had happened on her end and nothing went through. She never received a notice that an XXXX transaction was taking place. I checked my XXXX XXXX wallet and nothing had gone through there either. When I checked my bank account with Chime and there was a pending withdrawal of {$380.00} from XXXX XXXX. I spoke with Chime regarding this error and advised them that after they DECLINED the transaction, they still proceeded to pull the funds. An investigation was opened and no updates have been provided after the 10-day turnaround time they promised. It has been almost 3 MONTHS and the " investigation '' is still pending.
Consumer complaint received 2018-03-15
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: CORELOGIC INC (NJ)

Last year, we were looking for apartments and homes and several realtors requested my credit score or looked it up. However, I do not recognize any of the inquiring companies, and it seems odd one of them is located in California while I live in New Jersey. The company info is as follows : Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX The inquiry is from XX/XX/2017. 

XXXX XXXX made two inquiries, one on XX/XX/2017, and the other on XX/XX/2017. Their information is below : XXXX, PA XXXX ( XXXX ) XXXX-XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Dear sir, the credit bureau reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. I also want all non-account holding inquiries over 30 days old removed. Thank you.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & XXXX Account # 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 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Please be advised, on Tuesday, XX/XX/XXXX around XXXX XXXX The Chase Bank Agent, XXXX XXXX stole my check number # XXXX XXXX, Amount {$2.00} XXXX. On Friday, XXXX XXXX, I reached the Chase Bank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY-XXXX due to the fact I reported above. Unfortunately, XXXX XXXX XXXX denied and his Supervisor call the XXXX Police Officers who said that the Supervisor did like to see me around the Chase Bank meanwhile I am a Chase Bank customer since XXXX
Consumer complaint received 2020-05-26
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. (TX)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. PRO COLLECT XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX {$4900.00} XXXX XXXX OH XXXX {$1000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2018-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.
Consumer complaint received 2022-07-15
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)

I called TransUnion and asked them to look into my account about some hard inquiries that I know should not be on my credit report. I spoke with a man named XXXX who first helped me with this situation. I gave him all my information, and we proceeded to go over the inquiries I asked about. He told me that he understood my concerns, but i need to contact them and ask for a letter of deletion if i wanted them removed. I explained that they don't belong to me and i would like him to investigate these items for removal. We went back and forth and i asked for his supervisor. I spoke with XXXX # XXXX who told me that it is not Transunion 's job to remove these items. Again, I asked for an investigation and if he can't provide me proof of them belonging to me, they should be removed. I have an adult son of the same name and i wanted these removed because I'm sure they don't belong to me. He denied my request for an investigation and stated even if they are not mine, they won't remove unless I contact the one who reported them and get a letter of deletion before helping with anything. I ask that the CFPB look into the situation and please help remove the following unauthorized accounts form my credit report. Please either provide proof these inquiries have been made by me, or delete them for being inaccurate and unauthorized. 

XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX