davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (AR)

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. 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 to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ongoing issues with XXXX, we did not know our loan was transferred to XXXX XXXX and still have not received notice. Also, did not know our autopay was stopped, they claim delinquent funds however no evidence at my bank nor did receive any notification. 

We found out from a VA letter. XXXX claims they tried to call and send a letter however nothing showing on our electronic correspondence or physical mail. They finally XXXX XXXX us a letter and included letter of late payment, however do not believe they really mailed it and possible made it up when we complained. They only responded after compaining to multiple agencies. 

XXXX is trying to close our complaints stating it is resolved, but it is NOT. We still need notice of transfer and also our credit report corrected. 

We can not reach a real person to help and still have many issues with this company.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have never agreed or consented to XXXX or to XXXX XXXX reporting any private information to any credit bureaus at all verbally or written it is against the law for XXXX to share or publish any private information also they are responsible because they purchased the contract it isn't owned by the dealership at all XXXX XXXX wrote contact up and XXXX purchased contract knowing it was against federal law XXXX can't use dealership as scape goat they purchased a fraudulent contract more guilty than the company who wrote contract 15 u.s code 1611 criminal liability for willful and knowing violation giving false or inaccurate information
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (PA)

These accounts/inquiries are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these requests whatsoever. Please remove these alleged inquiries as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent inquiries. Please delete these alleged inquiries as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2023-04-05
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX, I wrote a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored over my disputes. In Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX, I wrote a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored over my disputes. In Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. Please remove these accounts as soon as feasible.
Consumer complaint received 2022-11-17
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2023-04-05
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Took credit builder loan with XXXX which was paid in full. It took days to first get ahold of someone who appeared to fix the problem and the loan at the time was fixed to show paid in full as agreed. Until XX/XX/XXXX which they are now reporting delinquent and late. Both of which are completely false. I have included a copy of the email showing payment in full and chat log with rep who shows payment was made in full. This needs to be fixed as I paid in full and never was late.
Consumer complaint received 2023-04-04
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$760.00}.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WI)

On the day of XXXX, XXXX, XXXX, I received an email from Chime bank notifying me that my account has been suspended. After complying with numerous requests to verify my identity, two months later I received an email " terminating our relationship ''. Contacting this institution is sysiphissian. The only people with authority to speak on the matter are email only and the last ten emails have been automated response. I have done nothing but comply to their requirements. I was entitled to UEI, which was fine for the first few weeks. Then I received a lump sum for back pay, 12 weeks and this is my current situation. Currently I'm in the XXXX to be married. I left the XXXX of XXXX. Received my last UEI payment XX/XX/XXXX. Have not collected it while overseas. The inconveniences, distress and trouble this situation has caused in my life is immeasurable. I chose post taxed deposits. As - XXXX $ XXXX. XXXX $ XXXX. 

XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ final payment. 
Balance at closure XXXX XXXX 

Any information you need in this matter I will be happy to provide. Thank you for your time. 

Regards.
Consumer complaint received 2023-04-04
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. (IN)

In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian XXXX XXXX XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXXXXXX XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

In XXXX I was by multiple bank employees that if I filed a scam ackowledgement form out that I was going to get the {$12000.00} back from a wire done from my account. when the wire was in process i tried to call bank of america to stop it. I called and was on hold until after the wire dept had closed. the next morning when they were opened they said there was nothing that I could do except file this case and wait for the money to come back from the other bank. This was XX/XX/XXXX on XX/XX/XXXX the bank actually finally filed the claim. They have continued to ( without my knowledge ) deny and refile the case. it was done again on XXXX by me when I faxed in more paperwork. they did not file this until XX/XX/XXXX. when they did file it they filed it wrong. On XX/XX/XXXX I spoke with a lady and she stated tha tshe was going to help rectify the situation ( finally ) she said that I MOST DEFINITELY would get the entire {$12000.00} back from Bank of America. She issued a credit to my account for {$5000.00} she said that I could call back and get another {$5000.00} the following monday. On the XXXX of XXXX I got in touch with yet another lady that confirmed what i had been told all along. It was denied and refiled again. I had no knowledge of this. Nor have I gotten written notices in the mail ( by law I am to get these notices ). This lady also credited my account {$5000.00} she stated it was definite that I would still be getting {$2500.00} that was OWED to me. I called back a couple days later and a rude lady stated " watch this '' and she put a negative {$10000.00} hold on my account, because and I quote, " because in my opinion this is wrong '' Ive had to endure more hardships over this money than I ever care to again. after TONS of calls to the bank to resolve this I ; ve learned that bank of america tries to word things on their recorded lines tio make the consumer slip up and say something that they do not mean or understand. Once the consumer has saidd this in a recorded line, Bank of America will deny all claims for that person. They are in breach of contract via the user agreement. I have been rudely hung up on, told to just tought it out, all kinds of nasty things no human should have to deal with. Their Chief Customer Relations Executive called me, left me on hold for over 1 hour 20 minutes connecting me to the fraud dept, when they finally picked up XXXX XXXX had left for the day ( this is who called me ). they are constantly badgering me, bullying me, and discriminating against me because I am a veteran. they will vehemetly deny the ladder of course. however, I have it recorded on my phone.There are many more things they do in the shadows that need to see the light of day
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear, Credit report agencies your Investigation took more than 30 days. 

Please remove immediately. 

Will invoice CPA for violations if not removed. 

See attachment. 

In attachment all unknown and inaccurate items are in the FTC report. 

I uploaded all information to move forward with removing those items I enclosed everything you need I.D Social security card and mailing documents.
Consumer complaint received 2023-04-04
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)

I feel like i'm taken advantage of and there are errors in my credit report that is affecting my character as a consumer. Under federal law, you are only supposed to report true and accurate information. I will have no choice but to escalate this if you do not comply with the law.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (SC)

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 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 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 2024-02-12
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. (IL)

XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXX XXXX XXXX XXXXXXXX Opened Account status Original creditor name XX/XX/XXXX ( XXXX mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX they did not provide me with the original contract as i requested.
Consumer complaint received 2024-02-12
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. (DE)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-04-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened : XX/XX/2017 Balance : {$28000.00}. Please remove this account from my file.